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Top 3 Tips For Buying Office Furniture
by: Roger Wembley
The topic of office furniture is about as exciting as watching the grass grow to some people. Generally, these people see buying office furniture as a necessary evil which requires them to search through the numerous offering of different manufacturers to finally find that perfect piece that they’ve been looking for. While the topic of office chairs and other office furniture items might seem a little dull to the new shopper, there are plenty of ways to make it exciting. Yes. Exciting!

1) Let’s start with Ebay. Guess what? Ebay is one of the largest (if not the largest) shopping experiences in the world right now (and probably into the near future). Ebay has grown massively during the last and it currently the largest used car dealer on the planet. How does this relate to office furniture? Simple. Office furniture can be bought on Ebay. And cheaply. I regularly buy items for 50% off on Ebay. Maybe someone had a business that didn’t work out so well and now all their equipment is for sale on Ebay. Their loss is your gain. Why pay $800 for a new chair when you can buy one slightly used for $250? No brainer. Ebay is the way to go.

2) Don’t buy more than you actually need. Office furniture is quite versatile. Buying a slightly larger desk can take the place of two smaller ones if you know how to arrange it properly. In fact, buying one large used piece of office furniture might cost only ¼ as much as 2 small new pieces. The key is to buy the best bang for the buck.

3) Look into leasing or renting office furniture. Now this is one good tip- I’m sorry to say I can’t take credit for it myself. This is a fantastic way to keep your cash flow in your pocket while enjoying the benefits of a brand new office. New chairs, new desks, new everything: all for a very low up front price. The big thing to look out for here is to make sure that you are truly getting a good deal. To say there are conartists out there is a huge understatement. Read the fine print carefully and make sure that what you are paying is less than buying it outright. However, with a little bit of homework, it really isn’t that hard to get a good deal by renting or leasing. Check it out.

About the author:
Roger Wembley writes for http://www.officefurniturers.comOfficefurniturers.com features information and resources for people interested in office furniture. Visit Officefurniturers.com today.


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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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