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Why do I need a paper shredder?
by: Michael Rad
Paper shredders are your best protection against one of the most dangerous plagues of modern society – identity theft. Shredders help you dispose of sensitive documents that are no longer needed without risking losing information in the wrong hands. Find out more by reading this article:

There are many reasons for purchasing a paper shredder, and the need for such an office device increased since the FACTA Law “Fair and Accurate Credit Transactions Act” was passed in 2005. Many offices consider such a purchase but are worried about the room the paper shredder will occupy. There is good news for them – small office paper shredders – they take very little room and offer more than enough shredding capacity for a small 3-5 person office. Another issue some company managers come across is related to paper shredder costs. However, the devices requires almost no cash to maintenance and run and the fact of knowing that your disposed documents cannot be pieced together is worth every cost – find out more here: www.paper-shredder-expert.com.

Identity theft prevention

The scale of identity theft has been recently analyzed in a federal report and the general results were worrying. The report states that lately, one out of four American homes is targeted by identity theft. This is a very large-scale problem, it was shown, and home owners, together with business managers, started putting more thought into efficiently protecting themselves against this plague. Business and employee personal information is often thrown away in the garbage, from where it is easily removed by someone who wishes to use that information illegally. One answer to this problem is the new June 2005 FACTA Law (Fair and Accurate Credit Transactions Act) which brings new regulations concerning identity theft.

Office paper shredders

An increased rigor in safety rules determined many companies to acquire office paper shredders. They are one of the safest ways to dispose of official documents or any other sensitive document type that has served its purpose. Most office paper shredders are getting close to flawlessness in cutting paper in a way that prevents any form of document restoration. Once such documents are shredded, the potential risk factor of someone putting them back together decreases to almost zero. There are various office paper shredder types to choose from, from basic to advanced models.

Work load of office paper shredders

Office shredders are presented in various sizes, colors and models. There are very few things that can break the shredder and their affordable price and increased durability recommends them as a smart investment. Most office paper shredder models are easily adjusted to the environment of your office and maintenance is easy to perform. You can also choose different color schemes for the office paper shredder, so that they blend in perfectly with your environment. The work capability of the paper shredder is usually very high, more than enough for regular office needs. Industrial paper shredders are also available for companies that deal with a lot of paper documentation.

Please visit our website for detailed paper shredder information:
www.paper-shredder-expert.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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