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The Benefits of Paper Shredders -
by: Peter Emerson
Paper shredders are used in a number of situations. Doctors, dentists, and psychologists use them to protect their clients’ private medical information. Private citizens use them to destroy papers that contain important financial information. Businesses use them to protect themselves from corporate espionage and information theft. Paper shredders cost between $15 and $130, depending on their features.

There are a large number of paper shredders on the market. The two main types are strip cut and cross cut. Strip cut paper shredders slice the paper into thin vertical ribbons. They are good in many situations, but they are not recommended for people requiring maximum security. Cross cut paper shredders cut documents into tiny bits of paper that are nearly impossible to reassemble. Cross cut paper shredders are generally better than strip shredders for high security situations, but they are also more expensive.

Another thing to consider when buying a paper shredder is how much it will be used. Different paper shredders are built to handle different amounts of paper at a time and to operate for different lengths of time before needing a break. It is important not to use the paper shredder above the manufacturer’s recommendations; if they are overused or used improperly, they can burn out quickly.

Paper shredders can only be used for a certain amount of time before they need to be rested. The length of time depends on the particular shredder. Most instruction manuals that come with the shredders have this type of information. For example, some top of the line models can work for 10 to 12 minutes before needing to be turned off for 20 minutes. Other models can work for as little as two minutes at a time before needing to be turned off for four minutes.

Another feature that differs between types of paper shredders is the number of sheets that it can take at once. The “throat size,” or size of the opening where the paper is fed, varies between models. Some can handle up to 9 sheets at once, but most can take about 5. It is recommended that people feed a little less than the maximum in order to keep the machine working properly. Also, the dimensions of the opening need to be considered. It is better not to have to fold a sheet of paper in order to get it to fit into the shredder. Most shredders can accommodate sheets of paper around 9 inches long. This is good for nearly all types of paper, and also works for credit cards, checks, receipts, and other financial documents.

About the author:
Shredders Info provides detailed information about paper, file, and chip shredders, and more. Shredders Info is affiliated with Business Plans by Growthink.

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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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