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Holiday Depression – Five Easy Tips for Beating the Post-Holiday Blues
by: Jeff Standridge
People have different experiences during the Holiday Season. For many it is a time of joy, peace, good will and optimistic hope for the New Year. For others it is a time of self-evaluation, to reflect on the past, or to review accomplishments and failures.

Regardless of the approach to the Holidays, for many people, this time of year results in feelings of loneliness, detachment, and sometimes depression. There are many different causes and contributors of these feelings and severe cases may even mimic clinical depression.

Follow these tips for getting in front of the Holiday Depression Syndrome:

Get your mind right – The first priority for this Holiday Season is to get in the right frame of mind. Think about what the Holidays mean to you and get a clear firm picture of the feelings you want to experience throughout the Holidays and even into the New Year.

Plan your Holiday experience – Once you know what you want to experience or leave the Holidays feeling, then plan your activities so as to create those experiences and/or feelings. For instance, if you wish to enter the New Year with feelings of gratitude & love, then plan to volunteer at a local homeless shelter, soup kitchen, or youth home.

Grow your relationships – The Holidays are a time for being together. Set a goal of nurturing one or more relationships during this period. Pick out one or two “acquaintances” or friends, and make it a point to have a stronger relationship after the New Year than you have today. Do what it takes to get there.

Plan your spending – Don’t overspend for the Holidays. Many times the worst part about the Holidays is the dread of receiving the credit card bills in January. Remember, the Holidays are more about relationships than about commercialism. Resist the illusion or temptation of buying your way into the hearts of your loved ones.

Serve someone else – Nothing makes for a great Holiday experience than doing something nice for someone else. Instead of feeling pressured to buy something for every friend, co-worker, or employee, send each of them a card with a note saying “I served soup at the local soup kitchen in your honor,” or any manner of other service-oriented activities.

About the author:
Dr. Jeff Standridge is co-Author of The Abundance Principle: Five Keys to Extraordinary Living (www.TheAbundancePrinciple.com), along with Tim Kellerman. They are available for print, television and radio interviews. Contact them directly at 501.514.3206 or visit www.AbundantLifeProject.com


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How to Find the Best Low APR Credit Cards
 by: Morgan Hamilton

Low APR credit cards are much more prevalent than in years past. Competition is stiff and credit card financial institutions offer many nice perks, rewards, points, low annual percentage rates (APR) and other inducements. They want to capture new customers who've never had a credit card but also those who already have a credit card and might like to save money by transferring that card's balance on to their new low APR credit cards.

Of course, there is nothing lower in an APR than zero - and those exist too, although sometimes for a limited time period. It may be that the lowest, or even the zero percentage APR is for an introductory period, after which the rate is higher. The permanent APR is what you want to watch out for, of course. Although if you're not opposed to doing a lot of switching, you can always purchase a low APR credit card, or zero percentage APR credit card, transfer the balance from your current high APR credit card, and then, once the introductory time period has expired and the APR is about to go up on your newest credit card, transfer the balance yet again to a brand new low APR credit card.

Let's look at a few of the low APR credit cards out there, so you know what kinds of options are typically available to you.

Citibank, for example, offers low APR credit cards that give you five percent cash back on any purchase you making at grocery stores and gas stations with your low APR credit card, and one percent back for any purchase elsewhere. The APR on transfers is zero for the first year. If your transfer transaction is at least $1500 you will earn $5 cash back with the low APR credit card. There is no annual fee and the APR after the first year is 12.24 percent.

Discover has a platinum clear card whose low APR is continual. The first year the APR is zero, but after the first year it's still a very competitive 9.99 percent. And there is no annual fee. With these low APR credit cards you earn a five percent cash back bonus on purchases made from hardware and home improvement retailers, restaurants, book vendors, and gas stations. If the retailer doesn't qualify you for the five percent discount you will always get one percent back no matter what you buy and from where with this low APR credit card.

Chase Bank offers low APR credit cards as well. Its zero percent APR is good for six months, after which you will pay 10.49 percent. These low APR credit cards have no annual fee, and offer rewards at the rate of one point for every dollar spent with your Chase card. You can get free airline flights and hotel rooms, as well as cruises and auto rentals. This card also provides $500,000 worth of travel insurance for worldwide vacationing. You can also take advantage of a fifteen percent discount off a Hertz car rental with these low APR credit cards.


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