HTNet - A Notepad of Tech, Business, Science and Self Improvement

Do you have multiple credit cards? Do you find managing your credit card bills to be a major pain? You’re not alone. There are others just like you.

Maybe you’ve even considered terminating all your credit cards. But did you follow through? For most people, credit cards are really useful tools. But like all tools, it can be used properly and also misused.

If you’re in the UK, you might want to check out these credit cards from MINT. Mind you, they’re not typical credit cards, but the type that can actually save you quite a lot of money from your other credit cards.

Read the rest of Saving Money With Credit Card Balance Transfers »

You could never get rich if you don’t accumulate wealth. Accumulating wealth is a simple concept but its execution eludes many. This is one of the reasons why not many people are rich; they just don’t accumulate their wealth.

Read the rest of Do You Invest? »

For most people, a house is a key investment for life. This is especially true for those who had just started a family. The need to have a roof over our heads often lead us to go house hunting almost on a whim.

In such situations, we tend to judge this “big purchase” more on aesthetics rather than our projected ability to repay this investment. Therefore, when times are hard (and it will eventually hit every generation) and money is tight, most of us find that instead of having a reduced repayment period, we end up paying mortgage refinancing charges.

Read the rest of Why And When Should You Consider Mortgage Refinancing »