![]() Their 1990s packaging consisted of a "miniaturized" version of the full-size cardboard tray and box used in packaging at the time. After being discontinued in the late 1990s they were re-released in 2000 along with the redesigned 2001 Dodge Caravan as part of a promotional tie-in with DaimlerChrysler. Mini Oreo, originally released in 1991, are bite-sized versions of ordinary Oreo cookies.Sold individually, each Big Stuf contained 250 calories (1,000 kJ) and 13 grams of fat. Big Stuf Oreo (introduced in 1987), were several times the size of a normal Oreo.For a limited time, they introduced 5 new designs. Football Oreo, football-shaped Oreo cookies, introduced in 1976.In the UK they are called Double Creme Oreo and are currently only available in original. Available in original, peanut butter, golden, heads or tails, cool mint, chocolate creme, as well as an original gluten free version. Double Stuf Oreo (introduced in 1974) have about twice the normal amount of white creme filling.This list is merely a guide to some of the more notable and recent types not all are available in every country. ![]() In addition to their traditional design of two chocolate wafers separated by a vanilla creme filling, Oreo cookies have been produced in many different varieties since they were first introduced. ![]() The Oreo is made by Nabisco, a division of Mondelez International. The most popular cookie in the United States, based on sales, is the Oreo. Different sizes of Oreo cookies: mini, regular and Double Stuf ![]()
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![]() ![]() She also had to ask Sato to teach her about condoms before giving a sexual education lecture due to her lack of knowledge on the subject. Saki Sato claims that she was actually Kana's first kiss but Kana denies it. She viewed her second kiss with Sato as her true first kiss, even though she was intoxicated, while their first kiss in the pool was just an accident and therefore didn't count. Kana has no sexual experience whatsoever, admitting so herself when she was drunk. Kana cleaning Ichiro's room ( Third Period) After learning that Sato was the same kid who helped her overcome her shyness she drunkenly agreed to let him fondle her bare breasts to return the favor. Kana has a very low tolerance for alcohol, easily getting drunk from even just one sip. Her criteria for a suitable husband include someone younger, good at caring for people, and liked by children, all of which are satisfied by Sato. ![]() Despite having optimism in her babysitting skills she was not well-liked by Shio Sato at first, eventually viewing herself as a proper maternal figure when Shio suckled her exposed breast in the pool. Kana's parents want her to marry and give them grandchildren so Kana developed a strong desire to become better with kids. Even so, she would still show her bashful side on occasion.īased on her reactions at the laundromat she seems to have a slight fear of thunder. By the time she became a teacher she was able strike fear in both students and parents alike. She developed a more aggressive temperament as she matured thanks to her interactions with a young Ichiro Sato. When Kana was in high school she was extremely shy and reserved. Kana falls to the floor after drinking Saki's booze ( Getting Lit) ![]() Kana's high school swimsuit is a revealing red string bikini with white trim, which she can still fit into as an adult. One of the pictures in her photo album also shows her wearing a dark red tracksuit. As part of her school uniform she wore a navy blue sailor-style blouse fashioned with a red neckerchief and a matching pleated skirt along with black knee-high socks and dark brown loafers. Īs a high school student, Kana bunched a clump of hair over her right shoulder with a black hairband and wore red-rimmed glasses. When Kana goes out to the beach she wears a blue string bikini. She has also worn a loose-fitting black tank top underneath her blouse instead of a bra. ![]() Her underwear is made up of a black bra with matching black panties, the latter of which are sometimes visible when her skirt rides up. She is sometimes shown wearing shorter stockings, garter belts holding up her stockings, or none at all. Kana is generally seen wearing teaching attire which consists of a white button-down blouse with the sleeves rolled just above her elbows tucked into a short dark blue skirt, dark brown thigh-high stockings, and black pumps. Kana is a curvy fair-skinned young woman with dark-brown hair that is typically tied upwards in the back by a red hairband with bangs mostly parted to the right over her forehead while there are shoulder-length sidelocks framing the sides of her face, amber eyes and large breasts. ![]() ![]() ![]() Various versions have evolved over the years, sometimes by accident, sometimes on purpose (injected humour and the like). Many desktop publishing packages and web page editors now use Lorem Ipsum as their default model text, and a search for 'lorem ipsum' will uncover many web sites still in their infancy. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here', making it look like readable English. Why do we use it? It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. Lorem Ipsum is simply dummy text of the printing and typesetting industry. Pellentesque vitae dui lacinia, venenatis erat sit amet, fringilla felis. Phasellus eget augue tincidunt, sollicitudin lectus sed, convallis desto. Nam sagittis lacus metus, dignissim blandit magna euismod eget. Find many great new & used options and get the best deals for Flick Your Bic Flick My Bic Disposable Cigarette Lighters Special Edition Design at the best. Maecenas nunc nulla, placerat at eleifend in, viverra etos sem. ![]() Nam sagittis lacus metus, dignissim blandit magna euismod eget. Interdum et malesuada fames ac ante ipsum primis in faucibus.Ĭurabitur vel sem mi. Duis congue posuere libero, a aliquam est porta quis.ĭonec ullamcorper magna enim, vitae fermentum turpis elementum quis. Ut consequat quam a purus faucibus scelerisque. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Lorem ipsum dolor sit amet, consectetur adipiscing elit. ![]() ![]() iTubeGo YouTube Downloader is, by far, the best option to download and convert YouTube videos to FLAC. You cannot download content directly from YouTube but some third-party software allows it. Videos with copyright audio like the ones from Vevo can’t be downloadedĭownload fails and needs to be done againįree lifetime updates and customer support Up to 720p, 1080p videos are downloaded without the audioĭownload virtually every video effectively 100% success rate Lesser options, only MP4, M4A, MP3 OGG AAC FLAC MP4, MOV, AVI, MKV, FLV, 3GP, MP3, M4A, WAV, MKA, FLAC… ![]() No, you’ll have to individually download all the videos Only support YouTube, Facebook, Dailymotion, Vimeoĭownload an entire playlist or channel in one command More than 10,000 sites with audio/video content Using the software, the quality of the downloaded file is also not compromised and you get the best results. iTubeGo, on the other side, offers you the luxury of downloading and converting videos directly to your desired format and quality with a single command. This procedure is not only very slow but is also a very complicated one. You need to download the files in MP3, M4A, or WAV and then convert it to FLAC. Most of the online download tools do not allow the option of downloading videos directly to FLAC format. Side-by-Side Comparison between iTubeGo and Online FLAC Converter This will load the video and available download options.ĭownload the quality and format of the video of your preference by clicking the “ Download” button appearing next to all the download options. Paste the URL in that bar and click on the “ Convert” button to the right side of the bar. On the top of the page, the downloader will show a bar to enter the URL. With the URL copied, open in your web browser. Similarly, you need to get the YouTube video link first. ![]() Another downside of this free platform is that it shows a lot of annoying ads some of which don’t go away even with an adblocker. It doesn’t support playlist downloads and if the connection gets interrupted during the download process you need to start all over again. It offers downloads in a maximum of 720p full HD resolution or in audio formats. It is a free website that can be used to download YouTube videos. You can download YouTube videos into FLAC or other formats using. ITubeGo YouTube Downloader comes equipped with a media converter, which can make it possible for you to convert local media from your PC to any format like MP4, MOV, AVI, MKV, FLV, 3GP, MP3, M4A, WAV, MKA, and FLAC. Step 4 Download YouTube Video in FLAC formatĪfter you have completed all the above steps, the download will start automatically and the audio will be saved in the folder you have selected. ![]() Just click the Paste URL button in iTubeGo to enter the video URL and start the download process. You can also set the quality of the output file as well as the destination folder where you want to save the file in this menu. ![]() Afterward, you can change other settings from the Preferences tab in iTubeGo. If you want to download file in FLAC format, you need to select FLAC from the “ Download then Convert to” option located at the top right side of the main interface. Step 2 Launch iTubeGo and select the format When the video is playing, you can copy its URL from the address bar of your internet browser. For this, go to YouTube and open the required video. The first thing you need to get the URL of the video. Let’s have a detailed look into the downloading and conversion steps using iTubeGo. Free Download Using iTubeGo to convert YouTube to FLAC: ![]() ![]() ![]() They offer a chance for children to voyage to different worlds, meet new friends, battle terrifying enemies, learn wonderful facts and offer comfort when times are difficult.įor parents, book apps offers your children the chance to explore, without any pressure, a whole host of marvellous, informative, moving, rich stories, poems and non-fiction classic and contemporary texts. Scholastic routinely offers an issue of it’s online kids magazines – Scholastic News (you can choose from grades one to six), SuperScience and DynaMath – available to read online for free.Kids book apps support and encourage wider reading. The aim of Storyberries is to create a free, online collection of quality stories, comics, fairy tales and poems for children, offering both classic and contemporary stories with vibrant illustrations. The read along feature is great for beginning readers.īook Dash is a not-for-profit organisation that brings together creative professionals as volunteers to create books for kids with an objective to get more books into the hands, hearts and minds of young children. We love Vooks and their library of animate picture books is constantly being added to. While not completely free, the awesome video book platform Vooks currently offers a free one month trial for families. Similarly, the Barnes & Nobles Free Nook Book collection offers a huge number of quality titles to read that are super easy to sort by age category or genre. Barnes & Noble’s Free Nook Book Collection One for the non-fiction fans, on National Geographic’s Young Explorer site you’ll find a great collection of back issues of the Young Explorer magazine.Ĥ. Who could go past Betty White reading Harry the Dirty Dog! ![]() There are some minor animation elements of the original book illustrations and the readings are awesome. Not all of the books on the site are free (it is also a bookshop) but there over 250 free ebooks.Ī little different to the other sites on this list, at the Screen Actors Guild Foundation’s Storyline Online famous actors read fabulous children’s books in a somewhat virtual storytime. You will need to register (at no charge) for Oxford University Press’ Oxford Owl collection. 5 Great Collections of Free Online Books for Kids If that is not an option for you however, here are five book websites for kids that I believe are most definitely worth a look. So my recommendation is start there if you can. There are a number of membership library apps a public service can use for lending ebook and audiobook versions – like Libby, Sora, Overdraive and Hoopla. All of the members of our family borrow and read a lot of ebooks through the Overdrive and BorrowBox apps thanks to our public library. That being said the first place I would start is with your local, public library. Whether you are reading print books or online books and ebooks, choosing good quality titles to read is vitally important and so I set off on an online treasure hunt to find sites that provide good quality, free online books for kids (most of these can be read on a computer, tablet or phone). The aforementioned study also found that young children are more likely to have above average vocabulary attainment if they look at or read both printed stories and stories on a touch screen, compared with those who read printed stories alone regardless of socioeconomic status. ![]() I am a bit of a traditionalist and prefer good, old fashioned paper and ink type books for reading with my girls but with a recent study reporting that 91.4% of children of families surveyed have access to touch screen technology and that over a quarter of them are reading or looking at books on their device at least once in a typical week, I realise that accessing good quality kids books via this technology is also important. I am a BIG advocate of reading with children and I really do believe the biggest way you can make an impact to a child’s lifelong learning journey is by reading together. These are stories you’ll want to read with your kids! Inside: These 5 websites include good quality, free online books for kids. ![]() ![]() Fill: Your recording will be scaled up to fill the entire Dribbble shot.Fit: Your recording will be scaled down to fit inside the Dribbble shot.Then you can compose your shot by choosing from the layout options, and setting a background color. First, sign in with your Dribbble account. DribbbleĪfter recording the preview window, you can choose the Dribbble tab and prepare a shot to post on Dribbble, a popular website where designers share snippets of their work. The shortcut for recording in the preview is command r. Click the record button in the preview window toolbar, interact with your prototype, then press record again and save the file. ![]() Saving videosĪnother option for sharing your prototypes is to record the preview window and share a video file. The trial version will allow for previewing prototypes even after the trial period has ended. You can share your Flinto prototypes with anyone who has a Mac, even if they don't buy Flinto. Prototypes viewed in a Live View session are also saved to the device. You can email Flinto files to yourself or others, or store them in iCloud to access them on-device. flinto files which can be opened by the free iOS viewer app. Select any active interface in the left-hand list, and in the main section of the pane under Connected the IP address will appear.Flinto saves. A Finder window appears, just as if you clicked a server in the Finder sidebar.įor Macs that you can’t see via Bonjour or to connect to a Mac from a Windows computer or other system, you can find the Mac’s address in System Preferences > Network. You enter the address in the format smb://address, such as smb://10.0.1.120, and click Connect or press Return. If you need to enter a Mac’s address, choose Go > Connect to Server (Command-K). Click the Network link in the Finder sidebar under Locations or choose Go > Network (Command-Shift-K). Some servers won’t show up in the Finder, depending on your local network. (If you don’t see them, go to Finder > Preferences > Sidebar and check Bonjour computers.) Click any server and then click Connect As, enter credentials, and select an available volume. Macs with file sharing or screen sharing enabled appear there. Open any Finder and look under the Locations list. (You can also remove certain users and groups by selecting one and clicking “-“.)įrom macOS, you can connect to a file server in the Finder. Remove a folder or volume by selecting it and clicking – (minus).Īssign users and permissions to shared folders by selecting the folder in the Shared Folders list and then modifying existing permissions in the Users list. (See “ How to create a sharing-only user in macOS to limit access.”)Īdd shared folders by clicking the + (plus) at the bottom of the Shared Folders list. Create sharing-only users, who can’t log into a Mac or connect to it via a Terminal session they can only access shared folders.(That’s the lowercase “drop box”: a place to deposit things.) Create shared folders that people with regular accounts on the Mac can access to create pooled local storage or a write-only drop box.That’s the default and requires no further work. ![]() ![]() ![]() On the flipside, you can buy 500 silver fish for 10 gold fish. You can also exchange silver fish for gold fish! In the shop, 250 silver fish will buy you 10 gold fish. Don't fill the bowl again until he's gone. The trick is to let him leave under his own power. Miss Fortune, who loves the cardboard house item, will likewise gift you with a lot of fish.Įven the voracious Tubbs pays handsomely if he eats all your food. If the royal Xerxes IX uses the Zanzibar cushion or the throne item, he tends to leave a lot of fish behind. Some cats are more open-pawed than others, however. Some cats like toys that keep them active, while others like cushions, hidey-holes, and other items that let them lounge.Īll visiting cats give you silver fish, and more rarely, gold fish. The Catbook chronicles a cat's favorite items once it's visited and used that item at least once.ĭon't be afraid to try variety. Joe DiMeowgio will only show up if you have the baseball item in your yard). NEKO Cute Cat Switch Protective Shell Pink PC Hard Cover Shell NS Game Console. Most of the rare cats won't appear unless you put out a very specific item (e.g. Neko Atsume Pumpkin Square Pillow Case Cushions for Sofa Kawaii Cat Game. That way, even shy cats stand a good chance of having a space to call their own.Įvery cat has its favorite items and toys. That's why it's important to have a strong variety of toys in your yard. In the same vein, if a lower-level cat is interested in a space that's occupied by a higher-level cat, it might not bother to show up in your yard at all. ![]() If two cats are interested in the same toy or lounging area, the cat with the stronger power level will usually push out the one with the lower power level. Every cat has a power level, which you can observe via their Catbook profile. Power levels are a bit of a mysterious feature in Neko Atsume, but here's the gist. Here's how to get Peaches to come to your yard. One cat in particular is notoriously hard to nab. In the main menu, go to "Other" and "Remodel" for a host of redecorating options. Expand your yard to allow for more food and toys. Fill every inch of your yard with toys! Big toys take up more space, but can occupy more than one cat at a single time. Food that costs gold fish, like sashimi and Deluxe Tuna Bits, really brings the kitties in droves. Higher-quality foods bring more cats to the yard. The cats who enjoyed your hospitality will reward you with gold and silver fish, which can go back into buying more food, toys, and house extensions. You can also change a cat's default name and observe its toy preferences and power levels in their Catbook profile.ĭon't forget to tap the "Receive Gifts" button when it appears on the bottom of the screen. When a cat visits your yard, feel free to take a picture for your "Catbook." You can do this by selecting the "Camera" icon in the main menu. Some cats, especially the rare themed cats, are attracted to certain toys, certain food, or both. Like its name suggests, it's more of a collection app than an actual game.Ĭats automatically visit your yard when you set out food and toys. You don't "play" Neko Atsume so much as you sit back and enjoy it. The real-life take on the game was livestreamed for 11 hours straight, which you can watch in its entirety on YouTube.Neko Atsume: Kitty Collector is a cat-collecting title from Hit-Point. The Japanese Google Play outpost recently celebrated the mobile title during a game-themed week of YouTube collaborations with a live-action recreation. Welcome to the Neko Atsume Wiki 46,884 edits made and 422 articles created since November 2nd, 2015. Neko Atsume has been a fan favorite both abroad and in its home country. The ultimate goal is to woo the entire set of strays to your home and fill out your Catbook. A happy kitten will reward you for your efforts with golden sardines, which can be used to purchase higher-quality products. Neko Atsume‘s primary mechanic involves purchasing gifts in order to solicit cats to your expandable yard. The game’s official Twitter account mentioned that the update should be available for both Android and iOS. Even more rare cats and items, as well as new house remodeling styles. Other notable differences include new official names for all of the cats (although you’re still able to rename them at your leisure), as well as for their toys and food options. In English, the game goes by the name Neko Atsume: Kitty Collector. Vietgame.asia – Previously inscrutable - but not unplayable - to non-Japanese speakers, Neko Atsume‘s latest feature is the option to switch between Japanese and English text at will. ![]() Neko Atsume, the adorable, stray cat-centric Japanese mobile game for iOS and Android devices, has received its biggest, most important update: an option to play the game in English. ![]() ![]() ![]() If you do not like a title, it is automatically returned.You will have your own virtual library there in this app.Additionally, you will get the list of chapters in the table of content so that you can quickly continue from the chapter you left. Audiobooks will show the remaining time with precision. When you read a book here, you can initially see how many pages are left in the chapter. Up to 30,000 libraries are offered with all their collections worldwide. OverDrive: eBooks & audiobooksĪmongst the other eBook reader apps for iPhone, OverDrive is the most popular one. Then, again, you can apply night mode in the app.ĭownload 4. Here, you can adjust the screen brightness. Pros: This app is well-known as one of the best iPhone apps. Page colors and fonts are available with a variety to pick from.The Read collection will eventually help you to find the books that you wish to read.You will enjoy the audiobooks in some known voices by popular actors and authors.Every week, all the lists will be updated with the latest books.In the Book Store, you will initially get the new releases, Top Charts, limited-time offers, and so on.Your purchased books are shareable with five of the family members. So it will move through the pages continuously. If you are bored with flipping the pages, you can easily enable Scrolling View. While you do the daily work, you can listen to the audiobooks here. You can preview and download a sample of a book to understand whether you would like it or not. Millions of books are at your fingertips with Apple Books. Furthermore, VoiceOver and screen magnification tools are provided for low vision and blind users in this best eBook reader app for iPhone.Ĭons: You can not highlight across multiple pages. Pros: When you need to search for a word, you can look in the dictionary. Wishlist lets you save the books that you want to read in the future.You can eventually check out the samples before you buy a new book.The books you purchase are indeed accessible from any of your devices.If you use the app more often, it will initially give you personalized suggestions.Up to 75,000 are available totally free of cost in this app, and you can browse for more.The app will also calculate the time to complete a book based on your speed. If you wish, you can share a special quote from the book and create a quote card. You can control screen brightness here and select a classic collection if you’re a literature student. Day, night, and evening themes and text colors are applicable too. You can simply include notes, highlight or bookmark a book. There are featured titles and search tools as well.Ĭomics, magazines, kid’s books, graphic novels, and many more books are accessible here in the NOOK. Pros: You will initially get new recommendations based on your previous choices. A good number of eBooks are free to read in this app.Font styles, margins, line spacing, page animations, etc., are adjustable.When you need to check out a book, you can bookmark that.Different types of books, such as fiction, nonfiction, thrillers, mysteries, romance, etc., are available.More than 1,000 books, comics magazines, and journals are available here.Additionally, you can enjoy the bestsellers as well with the cloud storage functions with this app. You can also download books to read later without an internet connection. Besides, you can organize the collection of books and access them from any device. The app will optimize while reading large books. No matter what type you like most, you will find something interesting for yourself here in this popular ebook reader for iPhone. You must not tell that Amazon Kindle is an unfamiliar name to you. ![]() ![]() ![]() Note that you might get a notification for admin rights. The application's main executable file occupies 999.00 KB (1022976 bytes) on disk and is titled AiVCUSplash.exe. Keep in mind that this path can differ depending on the user's preference. You can uninstall Aimersoft Video Converter Ultimate(Build 5.0.0.2) by clicking on the Start menu of Windows and pasting the command line C:\Program Files (x86)\Aimersoft\Video Converter Ultimate\unins000.exe. The application is usually installed in the C:\Program Files (x86)\Aimersoft\Video Converter Ultimate folder. Below you can find details on how to uninstall it from your PC. The Windows release was created by Aimersoft Software. Take a look here for more information on Aimersoft Software. More information about Aimersoft Video Converter Ultimate(Build 5.0.0.2) can be seen at. It has launched a fully-loaded yet easy to use Aimersoft Video Converter Ultimate( ) at affordable price.Aimersoft Video Converter Ultimate(Build 5.0.0.2)Ī way to uninstall Aimersoft Video Converter Ultimate(Build 5.0.0.2) from your computerThis page is about Aimersoft Video Converter Ultimate(Build 5.0.0.2) for Windows. Even a beginner can make use of our video converter with ease", adds the spokesperson.Īimersoft Studio is a leading developer of most effective and user-friendly audio and video software. ![]() ![]() It is specifically designed to save your time and simplify your video conversion task. It can convert any 2D video in AVI, MKV, MOV, MP4 and more to 3D videos. "With our advanced video convertor you can even create your Home Theatre with 2D videos. Users can directly create YouTube 3D videos with their plain 2D videos and share them online, using its presets for YouTube 3D movie channel. In addition, Aimersoft Video Converter Ultimate( ) can remove DRM (Digital Rights Management) protection legally from movies and music. Aimersoft Video Converter Ultimate can convert more than 30 major video formats including TS, HD AVI, HD WMV, HD MOV, HD AVI, MTS, M2TS, AVI, MP4 and much more. Now, users can convert virtually any videos from digital camera, online video sites like YouTube, Hulu, Google video and other video sites effectively. So, we are also offering free trial period for testing our video convertor", says a spokesperson for Aimersoft Studio.Īimersoft( ) Studio's latest Video Convertor Ultimate is packaged with a wide range of advanced features including ability to download and record streaming videos, three steps burning process, Rip DVDs to any popular audio or video formats, supports 3D movies on various 3D players ad more. We know it's difficult to determine the effective performance of video converter software without testing it. Now, it also features 3D amazing fun to your videos in all popular formats. You can even transfer it to iPod, iPhone, Android and more with 150 customized presets. That's why we have developed Aimersoft Video Converter Ultimate which can convert 30 major video formats with ease. Besides, some video converter software can convert only a limited number of video formats. "Identifying a right video converter that can convert a wide range of major video formats is a tedious and time consuming process. It is specifically designed to convert, rip, burn, download and edit movies quickly and easily. Shenzhen, Guangdong ( ) ApAimersoft Studio, a leading developer of most effective and user-friendly audio and video software has launched a fully-loaded yet easy to use Aimersoft Video Converter Ultimate at affordable price. ![]() ![]() ![]() ![]() Please acknowledge the disclaimer before proceeding further. Continuing to use the old card - even after completing a balance transfer - could increase your utilization ratio, add to your debt and potentially get you back into the same situation that led you to seek a balance transfer in the first place.You are being re-directed to a third party site. Still, you could end up hurting your credit scores if you’re not careful. However, in the long run, the transfer could have a positive impact on your credit history if you are able to pay down your debt faster (improving your debt-to-credit ratio) without any interest accumulating on the new card.įinally, opening a new account will increase your available credit and lower your credit utilization rate, or debt-to-credit ratio. If you have low credit scores and still manage to get approved for a new card, the interest rate will probably be too high to make the balance transfer worthwhile.īecause a balance transfer involves opening up a new line of credit, it will also lead to a hard credit inquiry, which will cause your credit scores to decrease initially. To get a new credit card with a low or 0% interest rate, you often need good credit scores. By lowering interest, you have the opportunity to put more money toward the principal amount you owe and potentially pay off your debt faster than you would be able otherwise. The biggest drawback, however, is the possibility of mismanaging your credit cards and racking up more debt instead of paying it off. One big advantage of balance transfer cards is the potential to greatly reduce the amount of interest you pay on your debt. It’s also important to note that certain balance transfer cards might waive the typical transfer fee. For example, a rewards card might offer 12 to 15 months of 0% interest, whereas a card designed for debt consolidation and balance transfers might offer a low interest for a longer promotional period lasting up to 21 months. Cards that are not designed solely for balance transfers have their drawbacks. Typically, these accounts fall into one of two categories: cards that are meant for the sole purpose of consolidating or restructuring debt and those that offer rewards programs and are meant for long-term use.īefore settling on one of those categories, consider how you intend to use the new account. Various banks and credit card companies offer balance transfer deals. Generally, payments will go toward the transferred balance first, if it has a lower interest rate, then new purchases. When looking into balance transfers, you should understand how payments will work for the new card. Typically, your new account will specify two different interest rates: one for the transferred balance and another one for any new purchases you make with the card. Avoid these types of accounts as the annual fees could negate your overall savings.Ĭonsumers considering balance transfers should also determine whether the card issuer offers a 0% annual percentage rate on balance transfers alone or on both transferred balances and new purchases. Some cards might also involve an annual membership fee. That way, you don’t have to keep track of multiple accounts and monthly payments.Īlthough you could save money overall, you’ll probably have to pay a transfer fee, which is typically 3% of the balance you transfer. For example, if you transfer a $10,000 balance from an account with a 15% interest rate to a card with no interest for the first 12 months, you could save $1,500 during that initial year.Īdditionally, balance transfers can simplify your finances by letting you consolidate all of your credit card debt onto one card. For people struggling with credit card debt, a balance transfer offers the chance to pay down their balance without worrying about accumulating interest for a certain period of time.Ī balance transfer can result in significant savings. Generally, the 0% or low introductory interest rate on a new account will last for a limited amount of time (typically six to 18 months). How balance transfers workĪ balance transfer is just what it sounds like: You transfer the balance from an old credit card to a new one with better terms and a lower interest rate. However, before you pursue a balance transfer, be sure to understand how these options may impact your credit scores. Although the principal amount of debt remains the same, you save money in interest payments, which in turn could help you pay off your debt faster while improving your credit history and financial situation. A balance transfer involves moving debt from one account to a new one with a low or 0% interest rate. If you’re grappling with credit card debt, a balance transfer may help. ![]() |