Does changing your credit card over to a 0% APR cause to to get bad credit ??

I was having a discussion at work about loans and their APR's and I mentioned that if I am going for a low amount loan I'd probably get it on a 0% credit card and keep switching it to the next card to avoid paying intrest. One of the guys said that this does affect your credit rating just like too many "Agreement and Principals" whilst going for a mortgage.


Does anyone know if this is true??

Hallo

Ek wil net uitvind of daar 'n forum hier is waar ons advies kan kry oor immigrasie? Jammer as ek in die verkeerde forum is vir die vraag.

Dankie
Moemfie

Pam i know u have twins.....the others who have triplets or just twins....please share with us the highs and lows of multiple births...i find it so fascinating to have two at one or even three...it must be hard work when we think one is hard enough!!

We would love to know how u reacted when u first learnt u were expecting twins, how u managed with two at feeding times, bathe times, did u have help?

Fascinating topic......

In the beginning God covered the earth with broccoli and cauliflower and
spinach, green and yellow and red vegetables of all kinds, so Man and Woman
would live long and healthy lives.

Then using God's bountiful gifts, Satan created ice cream and doughnuts. And
Satan said, "You want hot fudge with that?" And Man said "Yes!" and Woman
said, "I'll have another with sprinkles." And they gained 10 pounds.

So God said, "Try my fresh green salad."

And Satan presented crumbled Bleu Cheese dressing and garlic toast on the
side. And Man and Woman unfastened their belts following the repast.

God then said, "I have sent you heart healthy vegetables and olive oil in
which to lightly sauté the wholesome vegetables."

And Satan brought forth deep fried coconut shrimp, fried chicken so big it
needed its own platter and chocolate cheesecake for dessert. And Man's glucose
levels spiked through the roof.

God then brought forth running shoes so that his Children might lose those
extra pounds.

And Satan came forth with a cable TV with remote control so Man would not have
to toil changing the channels. And man and woman laughed and cried before the
flickering light and started wearing baggy tracksuits.

Then God brought forth lean meat so that Man might consume fewer calories and
still satisfy his appetite.

And Satan created the 99-cent double cheeseburger, and said, "You want fries
with that?" And Man replied, "Yes! And super size 'em!" And Man went into
cardiac arrest.

God sighed and gave in... creating quadruple bypass surgery.

And Satan created greedy pharmaceutical companies whose profits went through
the roof.

Keep in mind that this just covers the story so far. We can only imagine what
the years ahead have in store.

Desperately Seeking Zulu Dancers

Please contact us for a chat and further information if you do zulu dancing or know of any people that do.

We look forward to hearing from you.


Kind regards


Emma and Fiona

Quote:Originally posted by Demolitia
Disney recently held their AGM with approx 17000 shareholders attending the meeting.

They announced the shareholders are allowed a 30% discount into Eurodisney...

The shares are currently trading at $26.55 and also pay out a dividend of 0.93c

Worth the investment if you've got children...

That Sir Harry Web with nearly 21 000 000 has sold more singles in the UK in the last 50 years than

The Beatles
Elivs
Queen
Madonna
Elton John
etc etc etc

Your Clothes ...
1st baby: You begin wearing maternity clothes as soon as your OB/GYN confirms your pregnancy.
2nd baby: You wear your regular clothes for as long as possible.
3rd baby: Your maternity clothes ARE your regular clothes.

Preparing for the Birth ...
1st baby: You practice your breathing religiously.
2nd baby: You don't bother practicing because you remember that last time, breathing didn't do a thing.
3rd baby: You ask for an epidural in your 8th month.

The Layette ...
1st baby: You pre-wash newborn's clothes, colour-coordinate them, and fold them neatly in the baby's little bureau.
2nd baby: You check to make sure that the clothes are clean and discard only the ones with the darkest stains.
3rd baby: Boys can wear pink, can't they?

Worries ...
1st baby: At the first sign of distress (a whimper), or a frown you pick up the baby.
2nd baby: You pick the baby up when her wails threaten to wake your firstborn.
3rd baby: You teach your 3-year-old how to rewind the mechanical swing.

Pacifier ...
1st baby: If the pacifier falls on the floor, you put it away until you can go home and wash and boil it.
2nd baby: When the pacifier falls on the floor, you squirt it off with some juice from the baby's bottle.
3rd baby: You wipe it off on your shirt and pop it back in.

Diapering ...
1st baby: You change your baby's diapers every hour, whether they need it or not.
2nd baby: You change their diaper every 2 to 3 hours, if needed.
3rd baby: You try to change their diaper before others start to complain about the smell or you see it sagging to their knees.

Activities ...
1st baby: You take your infant to Baby Gymnastics, Baby Swing, and Baby Story Hour.
2nd baby: You take your infant to Baby Gymnastics.
3rd baby: You take your infant to the supermarket and the dry cleaner.

Going Out ...
1st baby: The first time you leave your baby with a sitter, you call home 5 times.
2nd baby: Just before you walk out the door, you remember to leave a number where you can be reached.
3rd baby: You leave instructions for the sitter to call only if she sees blood.

At Home ...
1st baby: You spend a good bit of every day just gazing at the baby.
2nd baby: You spend a bit of everyday watching to be sure your older child isn't squeezing, poking, or hitting the baby.
3rd baby: You spend a little bit of every day hiding from the children.

Swallowing Coins ...
1st child: When first child swallows a coin, you rush the child to the hospital and demand x-rays.
2nd child: When 2nd child swallows a coin, you carefully watch for coin to pass.
3rd child: When 3rd child swallows a coin you deduct it from his allowance!!


Sjoe...so glad i have had only one.....

As always I'll start with the track listing:

1. Hellfire
2. Dance Sum More
3. Love Is
4. Special Star
5. Under A Lover's Moon
6. Pennywhistle
7. Move Up
8. Two Hearts
9. Too Many Tears
10. Lalissa
11. Harder
12. Dance Sum More (Remix)
13. Hellfire (Remix)

The last two tracks are bonus tracks on the cd version of the album.

To me this album is joyous and bouncy but still has it's sad moments though.

I think this is the ultimate cross over album though I am sure that many will disagree with me, sure Juluka and Via Afrika went that path before but to me they never captured the spirit that Mango Groove did...

My fave song on the album ? Has to be "Special Star", the reason... Personal :p

So what are your opinions and thoughts ?

LOW-FAT DIET MAY SLOW PROSTATE CANCER
Researchers report a low-fat diet may help men with aggressive prostate cancer fight the disease and live longer. The scientists at the University of California, Los Angeles, Jonsson Cancer Center report in the journal Cancer Research laboratory mice with advanced human prostate cancer fed a diet low in polyunsaturated fats remained in remission about twice as long as mice fed a diet with a higher fat content. They also lived twice as long as their fat-fed counterparts, said lead author Dr. William Aronson. In addition, the levels of PSA -- which indicate the amount of prostate cancer present -- were significantly lower in the mice eating low-fat meals. Aronson called the results "very significant," but cautioned large studies must still determine to what degree the mouse findings apply to men.

BIT OF ALCOHOL MAY DAMAGE DEVELOPING BRAIN
Even brief exposure to small amounts of alcohol or anesthetic drugs can damage the developing brain, researchers report. Significant nerve cell death occurs in the infant mouse brain following exposure to blood alcohol levels equivalent to two cocktails, they reported at the annual meeting of the American Association for the Advancement of Science. Investigator Dr. John Olney of the Washington University School of Medicine in St. Louis noted, "With anesthetic drugs, a dose required to lightly anesthetize an infant mouse for about one hour is sufficient to trigger nerve cell death." Further studies are needed to determine what the findings might mean to the human infant, Olney said.

ANTIOXIDANTS LINKED TO LOWER ASTHMA RATES
Increases in three antioxidants were linked to lower asthma risk in U.S. youth, especially those exposed to passive smoke, a study finds. Cornell University researchers analyzed results of a survey conducted from 1988 to 1994 that measured vitamin E, vitamin C and selenium, a trace element, in 6,153 youth, ages 4 to 16. Beta-carotene was associated with a 10 percent reduction in asthma prevalence in young people not exposed to smoke and a 40 percent reduction in those exposed to passive smoke. Vitamin C yielded similar results. An increase in selenium was associated with a 10 percent to 20 percent decrease in asthma prevalence, but this reduction was 50 percent in youth exposed to smoke. The study could not establish a cause for the associations, however.