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Debbie Dragon Profile and Articles

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1). Convection vs. Conventional Ovens... What's The Difference?
If you are in the market for a new oven and you’ve already begun shopping for one, you’ve probably noticed that there are a few different types. Two of the most popular oven types are conventional and convection, and many newer ovens have the option of cooking food in either fashion depending on the set mode. The difference in these two types of ovens is the way in which the heat in the oven is dispersed during the cooking process.

2). Going Cashless
Many people believe that eventually, and sometime in the not so distant future, no one will carry cash in their pockets, and everything will be purchased using plastic. Others think that will happen around the same time that people start driving around in space cars, or when we have domesticated robot maids to clean our homes and make our meals. Whether it becomes a reality or not, it’s quite possible to live almost cashless in our current society!

Think about it.

3). Living Debt-Free
Do you dream of living without the burden of excessive debt hanging over your head? It’s possible, but not easy. Living debt free requires financial discipline, all the time. To become debt free and maintain a debt free life, try the following three steps:

1. Get rid of existing debt. This is obviously your first step to living a debt free lifestyle.

4). Wine Accessories At Kitchen Junkie
Wine is more than an alcoholic beverage. It’s almost a way of life! There are more wine accessories available than you could even imagine. From the necessities like corkscrews and glasses, to the not so necessary yet entertaining accessories like decanters, ice buckets, and pourers- there is more to wine than just drinking it.

Corkscrews & Openers
While there are hundreds of varieties of corkscrews, they all work in basically the same fashion.

5). Plenty Of Garlic Gadgets Available For Garlic Lovers
No kitchen is complete without a few accessories all developed for the sole purpose of extracting the delicious flavor of garlic. No matter if a person is of an Italian descent, an Italian food lover, a professional chef, or a regular person who likes the taste of garlic, the proper garlic tools are necessities. Garlic is a strong smelling and tasting, and specific garlic gadgets make the cloves easier to peel, crush, chop, press, roast, and grate.

6). How Many Credit Cards Should I Have?
Enticing credit card offers fill the mailboxes of thousands of Americans every day. Accompanied by amazing offers of zero percent interest for six months and no fees for balance transfers, 15% to 20% off your first purchase, discount hotel rates and free movie tickets, the list goes on and on. And on impulse we fall to our knees and sign on the dotted line without thinking about just how much another credit card will affect our families, our credit histories, or our financial futures.

7). Teaching Children About Credit Cards
Young Children Do Not Understand the Concept of Credit Cards

It’s the 21st century, and most of the kids living in the United States are constantly watching their parents put a cute little plastic card into an automated teller machine and seeing the machine instantly spit out a wad of cash. It’s like magic! A machine that gives money whenever anybody wants it!

The concept of “the money that comes out of an ATM really comes from a bank account that holds money which was earned by working” is difficult for many young children to understand.

8). Purchase Protection
Most credit card companies provide purchase protection insurance for free, as an included benefit of owning their particular credit card. As competition among credit card companies is so fierce, creditors are attempting many different strategies in order to gain and retain loyal customers. Purchase protection insurance is one of the benefits a credit card company may offer that their leading competitor does not- in an effort to gain new customers and keep customers from "going over to the other side".

9). What Is A Home Equity Line Of Credit?
Anybody who owns a home may qualify for a home equity line of credit. A home equity line of credit can be used for any number of things, including paying for expensive renovations intended for the home, consolidating credit card debt, paying off large loans, or for having cash on hand.

The limit on a home equity line of credit usually depends on how much a house is worth versus the dollar amount of the mortgage(s) currently on the home.

10). Don't Be A Victim Of Identity Theft
Just about everybody has heard of identity theft, but most people do not believe it could ever happen to them. The fact is, identity theft is more common than most believe. It's not hard for identity thieves to obtain all of the information they need in order to assume another person's identity, but it can be made a whole lot harder for them if people remain smart and protect themselves as completely as possible.

11). Preparing For The Unexpected
While many people don’t like to talk about it unemployment is something very real that has the potential to be very damaging for the ill prepared. Due to poor planning and denial, many people once unemployed find themselves in a severe financial struggle. Credit card companies are calling them at home, at their old offices, and in some cases contacting them via mail and e-mail.

12). Understanding Credit Card Terms
Credit Card Terms are Easy to Learn and Understand

Anyone who does not understand how a credit card works - including purchasing items with it, reading the monthly billing statements, and knowing the rules for payments - should not own a credit card. However, credit card terms and details on how to responsibly own a credit card are easy to learn.

There are several terms associated with credit cards that often appear on literature that come with credit card applications as well as monthly statements.

13). Vacations: Paper Or Plastic?
When you go to the grocery store, you are casually asked whether you want to bag your items in paper or plastic. Then you make the decision whether to pay with paper (cash) or plastic (debit or credit cards). These routine decisions probably take you less than a second to decide, but what about the vacation version of the paper or plastic option?

Typically, a credit card is your best option when traveling.

14). Making Sense Of Your Credit Card Statement
Whether you are new to the world of credit cards, or a seasoned veteran, understanding the information in your credit card statement can be confusing. There is a lot of information packed onto a single page, and if you’ve never taken the time to review your statement in detail, it may be a good idea for you to do so. That way you are more likely to notice if there are any abnormalities with a statement that might indicate identity theft or merchant errors.

15). Maintaining An Optimal Balance
Once solely restricted to the wealthy, now almost any one can obtain a credit card including the most favored, first year college students. It's no wonder then that U.S. consumer credit card debt stood at over $735 billion in 2003 which further breaks down to approximately $12,000 per household for those who elected to carry balances from month to month.

16). Credit Cards And Personal Budgeting
When you apply for and receive a credit card, you will want to take the time to create a detailed budget for your family’s finances. Without a budget, and without carefully planning the credit card expenses, you could fall into the credit trap that many individuals have found themselves in. Swimming in a sea of debt that they have no way of getting out of.

17). Be Smart With A Credit Card And Use It Wisely
Owning a credit card is something that can be a very positive thing… as long as it is used responsibly. There are many ways for people to use credit cards to their advantage, but there are also ways for credit cards to get people into financial trouble. By following a few simple tips related to managing credit card usage, a credit card can be a very beneficial piece of plastic to own.

18). What You Should Know About Switching Credit Cards
With U.S. credit card debt at an all time high, many savvy consumers and investors are renewing their commitments to rid themselves of this burdensome and in most cases, unnecessary debt. In doing so they are constantly searching for the next best credit card with higher credit limits, lower annual percentage rates (APRs), and zero balance transfer offers.

19). Determine Your Credit Card Style
Life styles are what make people unique. The way we wear our hair, the type of clothing and fashion we prefer, and the selection of decorations within our homes all makes up an individual’s style. The type of credit card we choose, and how we use it is also part of our individual "financial style".

As people grow from children to adults, they often are seen imitating what they see their parents and close circle of friends doing.

20). Three Steps To Repairing Your Credit
Have you spent a little more (or a lot more) than you should have with credit? Most American’s have several credit cards with a few thousand dollars in debt racked up, as well as car or personal loans. When you combine these payments with your every day living expenses, it can be really hard to get yourself out of debt. Here are 3 steps you can take right now, to get on the road to repairing your credit.

21). Choose A Credit Card Based On Its Terms And Conditions
Almost everybody receives numerous credit card offer letters in their mailboxes at least once a week… if not every single day. The envelopes usually contain some sort of wording like, "This is the last chance!" or, "Offer Expires Soon!"

With so many pieces of mail arriving on a frequent basis, all written with similar "rush" tones, it's hard to figure out which one is really a genuinely good offer.

22). Credit Counseling Agencies: Good Or Bad?
There are many different opinions from financial experts and consumers regarding the use of Credit Counseling Agencies in order to help get out of debt. Some will tell you it's the best thing you can do for yourself when you've gotten into uncontrolled debt, while others will warn you to stay as far away from a credit counseling agency as possible. How can you make the decision whether or not to work with an agency or not?


If you are considering signing with a credit counseling agency to help manage your debt, you need to research.

23). Getting Out Of Credit Disaster Mindsets
It's no secret why so many Americans are in debt up to their eyebrows. The moment a teenager reaches his or her eighteenth birthday; if not sooner, credit card companies begin sending offers for credit cards. Some of the offers are extremely tempting, screaming promotional and introductory rates of 0% for the first six months, or balance transfer rates designed to help you save money on existing debt.



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