Congratulations! You have installed Phorum 5! To change this text, go to your admin, choose General Settings and change the description http://www.couponists.com/forum/index.php Tue, 09 Jun 2026 04:58:50 +0000 Phorum 5.2.15a http://www.couponists.com/forum/read.php?8,89,89#msg-89 http://www.couponists.com/forum/read.php?8,89,89#msg-89 Have a great day.]]> LoidaGilberg iPhone at Verizon Wireless Sun, 26 Jun 2011 14:04:24 +0000 http://www.couponists.com/forum/read.php?8,81,81#msg-81 http://www.couponists.com/forum/read.php?8,81,81#msg-81 travisxhaye iPhone at Verizon Wireless Wed, 01 Jun 2011 00:48:33 +0000 http://www.couponists.com/forum/read.php?8,80,80#msg-80 http://www.couponists.com/forum/read.php?8,80,80#msg-80 arthurxburgess iPhone at Verizon Wireless Wed, 01 Jun 2011 00:10:13 +0000 http://www.couponists.com/forum/read.php?8,78,78#msg-78 http://www.couponists.com/forum/read.php?8,78,78#msg-78 Just joined the gang. Hope to have very good time here.

luv
Riya]]> RiyaButler iPhone at Verizon Wireless Mon, 30 May 2011 09:04:13 +0000 http://www.couponists.com/forum/read.php?8,68,68#msg-68 http://www.couponists.com/forum/read.php?8,68,68#msg-68 I'm an American. I really want to Set up an Animation Studio in India. Now i'm hunting for computer animators. I picked India considering that it is more affordable as compared with U.S. I wish to fully understand the operations for opening a small business in India, primarily an animation studio.

Could you guys please help me out?]]> RiyaButler iPhone at Verizon Wireless Sat, 28 May 2011 23:36:43 +0000 http://www.couponists.com/forum/read.php?7,11,11#msg-11 http://www.couponists.com/forum/read.php?7,11,11#msg-11
This is a copy from my last month credit card.

Previous Balance $1,086.15
Payment, Credits -$1,300.00
Purchases +$1,157.39
Interest Charged +$18.84
New Balance $962.38

Did you notice something funny here?
I paid more than “Previous Balance”, and they charged me “18.84”.
I wondered why, and investigated.
This is what I found out.

The last month payment due was 10/18/2010. So I paid $1000 before 10/18/2010. And I got some cash after that, so I paid another $300 on 10/20/2010 which was after the due date. So the bank considered I didn’t pay off the whole amount by the due date. That’s fine. I knew it. So I thought they would charge the interest only for the left over which is $86.15 ($1086.15-$1000=$86.15). I was wrong. They use this mysterious method, called “average daily balance method”, to calculate balance subject to interest rate. So the balance subject to interest rate was $783.79. I don’t know exactly how this number came up. But obviously, it’s way more than just the left over $86.15.

Here is what I learned. When you use a credit card, PAY IT OFF EVERY MONTH!!! Don’t leave even $1, because they will add the current billing cycle balance somehow, and charge some interest.

But anyway, how did this amount "$783.79" come up?]]> admin Interests and fees on credit cards Sat, 23 Oct 2010 00:30:53 +0000 http://www.couponists.com/forum/read.php?6,10,10#msg-10 http://www.couponists.com/forum/read.php?6,10,10#msg-10 admin How to save money Thu, 30 Sep 2010 01:05:00 +0000 http://www.couponists.com/forum/read.php?3,9,9#msg-9 http://www.couponists.com/forum/read.php?3,9,9#msg-9 admin Halloween Shopping Thu, 30 Sep 2010 01:02:42 +0000 http://www.couponists.com/forum/read.php?5,8,8#msg-8 http://www.couponists.com/forum/read.php?5,8,8#msg-8 admin Christmas Shopping Wed, 29 Sep 2010 22:45:24 +0000