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The Exercise Infomercial Phenomenon -
by: Richard Romando
It all started with Jane Fonda. She started an industry with a simple video tape that included a 30 minute beginners program followed by a 60 minute full workout. For Jane it formed the nucleus of an empire that included books, audio recordings and fitness salons that are still in existence today. More importantly, capitalizing on Jane’s success, her workout tapes were followed quickly by everybody with a cut chiseled physique or a machine to help you work off those extra pounds and bring out those abs which quite unbelievably is bigger today than it was yesterday but not as big as it will be tomorrow.

Like they say in the record biz, the hits just keep on coming. Everybody has jumped into the market through the years: Chuck Norris, Lou Ferrigno aka The Hulk from the TV show, even Governor Arnold tried his hand at it. Models, celebrities and just plain folks with a machine have created exercise infomercials and you can count on one thing – more are coming soon to a TV channel in your house.

There’s Pilates, aerobics, toning, step dynamics, yoga, stretch, even specialty exercise tapes for pregnant women, women who have just given birth, women who are thinking about getting pregnant, kids, seniors – and that’s only a small fraction of what is available. Right now there are over 700 titles currently available and at one time or another all of them were presented to the public as an infomercial.

Some exercise infomercials utilized a new form of advertising called the hybrid infomercial. In the hybrid infomercial the product is available immediately as a direct response item and at the same time the item is available in retail stores. Here the infomercial is serving a dual purpose – to make a profit for the manufacturer immediately with credit card phone orders and by creating a brand name identity for the product available in the retail marketplace. With so much product available in today’s infomercial exercise tape market, it’s difficult for any one tape or exercise machine to make a profit for its manufacturer. By utilizing the incredible power of infomercials to reach a wide public base and selling them as a direct response item and a retail item simultaneously, manufacturers have learned how to profit from infomercials even though the market may be oversaturated.

About the author:
Infomercials Info provides detailed information on exercise, weight loss, real estate, and make up infomercials and direct response (DRTV). Infomercials 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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