Not many people know that is you have credit card debt you can save money on something that's almost like a get out of jail card . It's called 0% balance transfer credit cards!

By transferring your credit card debt to a card with 0% APR you can save about $100 per year on a $1,000 debt if the interest is 13%. If your card got an even higher interest rates like for example 18% you can save even more, just by transferring your balance Since the average US household got about $8,000 in credit card debt at about 12% interest rate that means an annual  saving of $700. Money you could use to do something much funnier then paying them to your bank

A year ago the credit card companies gave away high credit limits like nothing seen before, but due to the financial crisis they have become more restrictive. There are also stricter government regulations forcing the credit card companies to limit their good offers, so it's not just a choice by the credit card companies. Just see this press release from Senator Menendez on the credit card bill signing ceremony.

But don't fear, the end of high credit limits with long 0% periods are not over completely, you just need to search a little bit harder to find the best offers.

Popularity: 7% [?]

If you din't already know Xavier Media got it's own environmental project investing money in funds benefiting the planet in some way. The program can be found at www.XavierMedia.org where you can read more about the investments done by this project.

Since this blog is all about statistics in some way we need to see at least one graph . So we're going to start off by looking at the total fund development since this project started in October 2008.

As you can see the development has been amazing since about February 2009, but you have to take into consideration that the 25% increase was due to a one-time extra investment done. Even if you remove that part from the stats you'll see that the development has been amazing!

If we have a look at the individual funds included in this project, we'll see that it's Skandia WWF Fund that's contributing the most to the project development . Just too bad we didn't invest even more in that fund ….

I'm kind of happy with this investment since you have to say it's a successful investment in two ways. Both the investment itself, but also that WWF is getting paid a part of the fund fees

You can read some more about these two funds at XavierMedia.org if you too would like to invest in them

Popularity: 8% [?]

Most people building a new web site, for themselves or for a customer, don't plan the project a head, they simply just start building the site. Would you start building a house before you've consulted an architect? No, I didn't think so and this is why it's important to have website functional specifications ready before you contact a web designer and/or programmers because otherwise the disaster is just waiting around the corner for you

Some benefits by having specifications done before the project starts:

• You know exactly what you want and how the web site should work when ready. That way you need exactly what skills you need to hire and what requirements you have on hosting the site.
• You can plan for future features to be incorporated into your project already now. By adding something unplanned in the future you may have to re-work some parts of your site, but if you've planned for future features you don't have this problem.
• Since you know what you want you can easily estimate both the time it will take to build and the cost of doing so.

Why can't you just ask the web designer to the specifications? They usually design the web sites after their own knowledge. This means that if a specific feature requires for example Ajax, and the designer you've hired don't know how to program Ajax you will get a different solution which may not be what you want.

Also by doing the web site specs before you start a project it's must easier for you to get quotes from different designers and programmers. If you let the designer do the specs for you you've already hired someone

Since most people don't do project plans or specifications daily it could be a good idea to contact a professional consultant to help you. You could also start by checking out this sample website spec I found searching the Net.

Conclusion: Think before you act and hire a professional consultant to help you before you start building.

Popularity: 7% [?]

XAVIER MEDIA INTERNATIONAL LLC TRANSFORMS CUSTOMER FEEDBACK INTO VALUABLE UPGRADES
Translates User Suggestions into Tangible Customer Benefits

Miami, FL (14th of June, 2009) – Why do people looking to establish or enhance their Web presence use Xavier Media International? One reason may be the way Xavier Media International continuously improves its products and services based on input from many customers who call Xavier Media International
for help, or to suggest product improvements.

As economic conditions leave consumers searching for ways to save time and money, Xavier Media International has implemented a wide range of significant product upgrades and service enhancements. These improvements include upgrades for businesses looking to stretch their ecommerce dollars and individuals in need of additional disk space within their hosting accounts.

As more and more people look to create or bolster their online presence, Xavier Media International is expanding Web site building services too. For people who want to have their site developed without investing lots of time or money, Xavier Media International has introduced Create-it-for-me Web sites for those who want an informational site to target customers.

Xavier Media International also introduced an Unlimited Hosting package designed for power users who need more disk space and bandwidth. Unlimited Hosting is available on both Windows and Linux.

Another time-saving tool from Xavier Media International is a new integrated product suite which allows users to quickly switch between Website Tonight, Quick Shopping Cart and Quick Blogcast.  This integration is aimed at business users who want to build a complete online presence, including ecommerce, using Xavier Media International's simple-to-use products.

Email has grown into an important communication tool for individuals and businesses.  Now Xavier Media International offers an email plan with unlimited storage space and IMAP. The company also launched two new Hosted Exchange email plans with BlackBerry support.

To review Xavier Media International’s products and services, please visit www.exavier.com.

Popularity: 9% [?]