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The Important Function of Shredders -
by: Peter Emerson
Information and identity theft are two growing concerns in the world today. Paper shredders and file shredders can prevent the terrible losses that can occur when valuable information pertaining to a person or a business is stolen. Shredders destroy sensitive documents that contain private information that could cause trouble if obtained by the wrong people. Some of the sensitive information often found on paper items includes birth dates, social security numbers, bank account numbers, and business plans or other finance-related items.

Identity theft can have dire consequences. If a thief obtains someone’s social security number and birth date, he or she can then find out all kinds of financial information about the person and can use the person’s bank account. If this happens, the thief can spend all of the victim’s money, and the victim may or may not have a way of recovering the money. Identity thieves can ruin their victim’s credit by using the stolen credit cards to run up huge debts.

Corporate espionage is another serious problem involving information theft. More often than one might believe, employees steal secret business documents and sell them to competing companies. If thieves steal a business’ financial information, like credit card numbers and bank account numbers, they can spend all of the company’s money and possibly never get caught. It is vital to protect personal and professional information from would-be thieves by destroying documents and computer files that contain the information.

Paper shredders work by cutting sheets of paper into many very small pieces, making it difficult for thieves or corporate spies to reassemble the documents and gain private information. Some shredders cut the paper vertically into ribbons, while others cut the paper in a cross cutting motion, making it much harder to reassemble the page. These paper shredders have a number of features and many can provide maximum security.

File shredders permanently erase files from a computer. Most people think that emptying the computer’s recycling bin erases any files or programs that were in it, but the truth is that these files can be easily accessed using basic retrieval software. File shredding software ensures that sensitive files containing private information can’t be accessed.

Not all types of shredders are used to protect business or personal information. Chip shredders are heavy-duty tools used to break wood, leaves, and other materials down. Once the materials are shredded, they can be used to make mulch or compost.

Shredders are valuable tools in a number of situations. Paper and file shredders provide protection against information theft and chip shredders are valuable landscaping tools.

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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