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Citi Simplicity vs Slate by Chase

With the economy hitting new lows, Americans are descending further and further into debt. Although sometimes this can be mitigated by tightening up the belt and saving better, sometimes this is not enough. For these people, balance transfers have become a very common way for people to help slow down growing debt for long enough to pay it off. As balance transfer cards are a great way for credit card companies to pick up new customers, the market for these cards has become very competitive. Citi and Chase in particular have very good deals for people with excellent credit ratings.

Citi Simplicity

The Citi Simplicity Card offered by Citi Bank is one of the top choices for balance transfer credit cards. It offers a 0% introductory APR on not only all transferred debt, but on new purchases as well. This rate lasts for a remarkable 18 month period, at which point it will increase to something in the range of about 13-22% depending on how good your credit is. The better your credit is, the lower of an interest rate you will get. They also do not charge any late fees, annual fees or penalty fees. For each balance transfer, there is a fee of 3% at a five dollar minimum.

Chase Slate

Chase offers a similarly good deal for balance transfers known as Chase Slate. Like Citi Simplicity, Slate has a 0% introductory APR for people with excellent credit. However, it only lasts for a 15 month period. This is still quite good, although it is not as long as Simplicity’s introductory period. However, this difference in APR may be mitigated by the fact that Slate has a 60 day period in which there is no balance transfer fee. People with extremely good credit can also get a regular APR of about 12%, which is slightly lower than Citi’s deal.

Which is Better?

Choosing between Slate by Chase and Citi Simplicity for a balance transfer card is something that depends entirely on your specific debt situation. If you have an amount of debt that will take longer than 15 months to pay off, Citi Simplicity is probably the better deal as you will have a short time accruing debt at a higher interest rate. However, you may find that the lack of balance transfer fees with Slate is more worthwhile. Before committing to either, you should calculate what your balance transfer fee with Citi Simplicity would be, then see if that number is greater than what new debt you would acquire after the introductory period of Slate expires.

Ultimately, Citi Simplicity and Slate by Chase are two of the best options out there for balance transfer credit cards. Consider what your current debt situation is, do some math, compare credit cards then determine what the best deal is for you. If you find that neither of these plans suits you, be sure to look into some of the other plans offered by these companies, as well as Bank of America and Capital One.

The Major Challenges in Using Social Media in Litigation

Even in today’s world where everything on the internet is said to be permanent, the volatile nature of the world wide web coupled with computer-savvy netizens still make it a challenge to use posts and information gathered from social media as evidence in litigation. The absence of clear guidelines and condensed, useful information can still render e-discovery useless.

Despite stories proving otherwise, a lot of people still believe that when something is deleted on a social media account, a trail of evidence can still lead to it. However, if the poster (the original person who created the post) is able to delete it from the servers, the other party would find it hard or might not even be able to locate the trail or the original post. Many people are intelligent enough to at least attempt this when they are facing litigation. If the poster deletes the post successfully, the information used for evidenced could be regarded as outdated or even disregarded. .

When one is presenting to a judge or jury, one is attempting to tell a believable story. Social media discovery materials, when used correctly, help make your story more credible. When creating a “big picture” for the judge or jury making a determination, tweets or online posts that indicate intent or any other part of the story that is central to your case can be very helpful. All of this will be dependent on your lawyer’s ability to obtain e-discovery (electronically stored information) materials and preserving (archiving) them in a safe location so that they can be used in court proceedings.

Another challenge is authentication of social media posts for the courtroom. Attorneys who are familiar with the Federal Rules of Evidence know that when social media posts are used as e-discovery material, the post itself is not enough. Beyond the screenshot of the post itself, information about it should be provided so that it can be considered for admission in court. Metadata of a social media post often include the means of creation of the post, time and date of creation, creator or author of the post and location on a computer network where the post was created. That is just for a text post. In a media-rich post, related links, videos, embedded files within the post should be recorded as well.

A lawyer should be responsible in making sure that e-discovery materials containing social media posts are forensically accurate and that they pass a jury’s scrutiny or, moreover, be given the appropriate weight relative to the case.

James F. Page is a certified electronic discovery specialist. He is also approved as a certified mediator and has been helping individuals throughout Florida settle their disputes using mediation. Call 407-341-0069 to learn how mediation can help you or visit http://www.pagemediation.com for more information.

Social Networks Pluses And Minuses

The number of users of social networks nowadays is really astonishing. Both developers and users have noticed it. Up-to-date masses often even dont imagine themselves without social networks and online communicating. But is this good or bad tendency? In this article we will try to help you answer this question.
Firtly, advantages:
1. Social networks give us communication, connections with many people. It is not a secret already, that virtual communication has become far more attractive for many people. And in modern society a lot of people are just lonely and for them virtual communication is essential.
2.A search for classmates, old friends. Social network allow us to discover old friends that have moved years ago, classmates and sometimes relatives we have lost contact with. We have a possibility ot communicate with them online and meet in in reality. Not long ago we could just dream of such possibilities.
3. Find new friends and meet new people. Social networks give everyone unbelievable dating possibilities. The big number of members in social network also allows everybody to discover friends according to their interests and hobbies.
4. Big possibilities for ad and job finding. Social networks can be easily used as bulletin boards and looking at the number of users, really good ones.
5.Interests. For many visitors social networks are the interesting spending of time. Such hobby is not a bad one and it gives users many possibilities for self-realization. In social networks people can be whoever they want and communicate without worries.
But of course, as nearly all popular phenomena social networks have their disadvantages too:
1. The information spread in social network can be connected by who ever, without users even being informed about it.
2. Contact information may be used for spam.
3. Sometimes social networks can even hurt families and close relatives. The explanation for this is simple: users, who are too interested in social networks spend there all free time and dont pay attention to their families. In such case, such hobby can spoil real life relationships.
4. The absence of control can damage the psychics of children. Parents should care with whom their children spend time in social networks.
5. Medics frequently say that social networks are dangerous because they cause the addiction, and it is really so. Many people can not spend a day without visiting the social network. The absence of internet becomes great problem and people got addicted to virtual communication. Especially if people have problems in their life, they spend a lot of time in social networks in this way replacing life with social networks.
On the whole, the attitude to social networks can differ depending on the people and concrete situation, but they have conquered a big section of internet and are still developing. Today many people just cant live without social networks and the quantity of their members is still growing nowadays. But the most important thing here is to find a golden mean: use all advantages that social networks offer people but dont forget about the real life also.

Social Media Networking

Social media networking not only puts you infront of an audience but you are able to communicate with them by talking to them and getting to know them better and possible you can even become friends with them which will help alot in any online business and not just online businesses in any business communication is key you must be able to relate and communicate with your customers because the more you get closer with someone the more they will trust you and you will have a higher chance of making a sale or offer what you have. Thats why I suggest social media networking to be at the top of the list for any business owner especially online marketers.

I have been doing online marketing for not too long about 3 months and have been very successful in those 3 months almost 4 months but I have been able to work only 3-4 hours a day and make the money I have always wanted and have that leverage and quality time to spend with my family and friends and do what I want when I want. Having this changes your life for the best and gives you a chance to enjoy life which everyone wants ofcourse. You need to want it badly thought and do whatever it takes to make it happen and have a never quit attitude and with the right marketing system you can become a successful entrepreneur online working 3-4 hours a day and making money you never thought possible.

If you are serious and motivated to change your life just like I did you have to visit my site and take action right away but I am only looking for serious people to train and support until they are making the money they want but have to be motivated and driven to make it happen. If that you visit http://www.signupandmakedollars.com/

Why Social Media Networking Websites are very attractive

Social media networking websites are for free even if you are active 24 hours without the need to pay for anything. It allows people to communicate with each other no matter where they are in the world. The main advantage of using a social networking site differs from one person to another. Some use it for personal use why some for business use. These websites is a community for entrepreneurs looking for their target customers to sell their products and services. Other users are also looking for products and services offered online. Online shopping is getting popular day by day because this is the easiest way for one to buy the things that they need without going out of their comfort zone.

Almost all social networking sites are created for entertainment and fun. This is why they are offering several ways for users to connect with each other. Some can offer games to entertain users and for them to spend hours using their account. Of course, there are boundaries when it comes to fun. In the business perspective, social media is encouraging business owners to enjoy connecting with people from different parts of the world who are searching for different types of products and services. In case you are offering the product or service that they are looking for, then a social media can become the best platform for you to do your business as you can find consumers that can become your future loyal customers. Social media networking websites can help you increase your profit.

The use of social networking sites has increase in the past few years because people are becoming aware of its advantages especially when it comes to communication. Social media is a very powerful tool for businesses to connect to their target market and outweigh traditional advertisements. It can offer businesses the opportunity to save more money that they can use for other important aspects of the business like product development.

Social networking news provides information to wide range of people. They become aware of the experiences of others and share trade secrets to one another. Also, customers build more trust to business with social networking accounts because they can easily communicate and reach the company through social networking account. Everything that consumers need to know is here and it is available 24 hours and 7 days a week without any downtime. They can easily access the information that they need about a product, service or a company anywhere they are located in the world.

Social networking news can influence the popularity of a particular social media network. The one that can offer more information, details and allows different ways to communicate become popular in the World Wide Web. Distance is not a barrier because anyone can now connect to their family and friends regardless of their location. These sites are very attractive to users online because they can do a lot of things at the same time by just logging in their social networking account. It allows multitasking to save time, money and energy.

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