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February 13, 2010 
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 FLEER ULTRA SPIDER MAN 6 GOLDEN WEB cards 1 3 4 6 7 9 Bisley Corbin Joe Jusko $10.00 Buy It Now --> Ends In 30m <-- |
 GI Joe Official Trading Cards 12 in pkg 36 pks Box $14.99 Buy It Now --> Ends In 37m <-- |
 Superman Collectors Set 1993 Issue 63 Plus Card $12.00 Buy It Now --> Ends In 38m <-- |
 1993 Dec 2 Terrarists Heavy Hitters Epic Comics Free Heavy Hitters Card Inside $3.00 Buy It Now --> Ends In 40m <-- |
 1993 Jan 3 Terrarists Heavy Hitters Epic Comics Free Heavy Hitters Card Inside $3.00 Buy It Now --> Ends In 40m <-- |
 1993 19 The Incredible Hulk New Character Trading Card Inside Sealed Package $3.00 Buy It Now --> Ends In 40m <-- |
 CAPTAIN AMERICA 2 1995 DC Vs Marvel card Adam Kubert $3.00 Buy It Now --> Ends In 52m <-- |
 ELEKTRA 3 1995 DC Vs Marvel card DAREDEVIL Adam Kubert $2.00 Buy It Now --> Ends In 52m <-- |
 HULK 4 1995 DC Vs Marvel card Adam Kubert $3.00 Buy It Now --> Ends In 52m <-- |
 NAMOR SUB MARINER 6 1995 DC Vs Marvel card Palmiotti $1.00 Buy It Now --> Ends In 53m <-- |
 QUICKSILVER 7 1995 DC Vs Marvel card AVENGERS Palmiotti $1.00 Buy It Now --> Ends In 53m <-- |
 SABERTOOTH 8 1995 DC Vs Marvel card X MEN Joe Quesada $2.00 Buy It Now --> Ends In 53m <-- |
 SILVER SURFER 9 1995 DC Vs Marvel card Joe Quesada $3.00 Buy It Now --> Ends In 53m <-- |
 WOLVERINE 14 1995 DC Vs Marvel card X MEN Adam Kubert $3.00 Buy It Now --> Ends In 54m <-- |
 CAPTAIN MARVEL THOR 19 1995 DC Vs Marvel card Orbik $2.00 Buy It Now --> Ends In 54m <-- |
 CATWOMAN 20 1995 DC Vs Marvel card BATMAN Steve Butler $2.00 Buy It Now --> Ends In 54m <-- |
 AQUAMAN 15 1995 DC Vs Marvel card JLA Calafiore $2.00 Buy It Now --> Ends In 54m <-- |
 AZRAEL 16 1995 DC Vs Marvel card BATMAN Barry Kitson $1.00 Buy It Now --> Ends In 54m <-- |
 CAPTAIN MARVEL 18 1995 DC Vs Marvel card JLA Krause $2.00 Buy It Now --> Ends In 55m <-- |
 FLASH 21 1995 DC Vs Marvel card JLA TITANS Wieringo $3.00 Buy It Now --> Ends In 55m <-- |
 GREEN LANTERN 22 1995 DC Vs Marvel card JLA Wojtkiewicz $3.00 Buy It Now --> Ends In 55m <-- |
 LOBO 23 1995 DC Vs Marvel card Wojtkiewicz $3.00 Buy It Now --> Ends In 55m <-- |
 ROBIN 24 1995 DC Vs Marvel card BATMAN TITANS Wieringo $2.00 Buy It Now --> Ends In 55m <-- |
 SUPERBOY 25 1995 DC Vs Marvel card TITANS Batista $2.00 Buy It Now --> Ends In 56m <-- |
 QUICKSILVER FLASH 28 1995 DC Vs Marvel card Ray Lago $2.00 Buy It Now --> Ends In 56m <-- |
 ABOMINATION 29 1995 DC Vs Marvel card HULK Palmiotti $1.00 Buy It Now --> Ends In 56m <-- |
 DR DOOM 31 1995 DC Vs Marvel card FANTASTIC 4 Quesada $2.00 Buy It Now --> Ends In 56m <-- |
 GALACTUS 32 1995 DC Vs Marvel card SILVER SURFER $2.00 Buy It Now --> Ends In 57m <-- |
 GREEN GOBLIN 33 1995 DC Vs Marvel card SPIDER MAN $1.00 Buy It Now --> Ends In 57m <-- |
 JUGGERNAUT 34 1995 DC Vs Marvel card X MEN Joe Quesada $1.00 Buy It Now --> Ends In 57m <-- |
 KINGPIN 35 1995 DC Vs Marvel card DAREDEVIL Adam Kubert $1.00 Buy It Now --> Ends In 57m <-- |
 MAGNETO 38 1995 DC Vs Marvel card X MEN Adam Kubert $2.00 Buy It Now --> Ends In 57m <-- |
 THANOS 39 1995 DC Vs Marvel card SILVER SURFER $2.00 Buy It Now --> Ends In 57m <-- |
 KADABRA 47 1995 DC Vs Marvel card FLASH Wieringo $1.00 Buy It Now --> Ends In 58m <-- |
 AQUAMAN NAMOR 46 1995 DC Vs Marvel card JLA Orbik $2.00 Buy It Now --> Ends In 58m <-- |
 JOKER 45 1995 DC Vs Marvel card BATMAN Steven Butler $3.00 Buy It Now --> Ends In 58m <-- |
 DR POLARIS 44 1995 DC Vs Marvel card GREEN LANTERN $1.00 Buy It Now --> Ends In 58m <-- |
 BANE 40 1995 DC Vs Marvel card BATMAN Ron Wagner $2.00 Buy It Now --> Ends In 58m <-- |
 BLACK ADAM 41 1995 DC Vs Marvel card JSA CAPTAIN MARVEL $2.00 Buy It Now --> Ends In 58m <-- |
 CIRCE 42 1995 DC Vs Marvel card WONDER WOMAN Byrne $1.00 Buy It Now --> Ends In 58m <-- |
 DARKSEID 43 1995 DC Vs Marvel card NEW GODS Ron Lim $2.00 Buy It Now --> Ends In 59m <-- |
 PENGUIN 50 1995 DC Vs Marvel card BATMAN Renaud Manley $1.00 Buy It Now --> Ends In 59m <-- |
 LEX LUTHOR 49 1995 DC Vs Marvel card SUPERMAN Immonen $1.00 Buy It Now --> Ends In 59m <-- |
 KILLER CROC 48 1995 DC Vs Marvel card BATMAN Renaud $1.00 Buy It Now --> Ends In 59m <-- |
 CAPTAIN MARVEL CAP M 56 1995 DC Vs Marvel card $2.00 Buy It Now --> Ends In 59m <-- |
 CABLE CAPTAIN ATOM 57 1995 DC Vs Marvel card X MEN JLA $2.00 Buy It Now --> Ends In 59m <-- |
 DEATHSTROKE PUNISHER 58 1995 DC Vs Marvel card $2.00 Buy It Now --> Ends In 1h <-- |
 GHOST RIDER DEMON 59 1995 DC Vs Marvel card $2.00 Buy It Now --> Ends In 1h <-- |
 ARCHANGEL HAWKMAN 51 1995 DC Vs Marvel card X MEN JLA $2.00 Buy It Now --> Ends In 1h <-- |
 AZRAEL SABERTOOTH 52 1995 DC Vs Marvel card X MEN $2.00 Buy It Now --> Ends In 1h <-- |
 BLACK WIDOW CANARY 53 1995 DC Vs Marvel card JLA Balent $2.00 Buy It Now --> Ends In 1h <-- |
 BLUE BEETLE SPIDER WOMAN 54 1995 DC Vs Marvel card JLA $2.00 Buy It Now --> Ends In 1h <-- |
 WOLVERINE LOBO 55 1995 DC Vs Marvel card X MEN Sasso $3.00 Buy It Now --> Ends In 1h <-- |
 HUMAN TORCH FIRESTORM 61 1995 DC Vs Marvel card FF JLA $1.00 Buy It Now --> Ends In 1h 1m <-- |
 STEEL IRON MAN 62 1995 DC Vs Marvel card JLA AVENGERS $2.00 Buy It Now --> Ends In 1h 1m <-- |
 HAWKEYE GREEN ARROW 63 1995 DC Vs Marvel card JLA $2.00 Buy It Now --> Ends In 1h 1m <-- |
 ROBIN JUBILEE 64 1995 DC Vs Marvel card TITANS X MEN $2.00 Buy It Now --> Ends In 1h 1m <-- |
 RAY NOVA 66 1995 DC Vs Marvel card JLA NEW WARRIORS $1.00 Buy It Now --> Ends In 1h 1m <-- |
 GUY GARDNER WAR MACHINE 68 1995 DC Vs Marvel card JLA $2.00 Buy It Now --> Ends In 1h 2m <-- |
 CAPTAIN AMERICA BANE 69 1995 DC Vs Marvel card Kubert $2.00 Buy It Now --> Ends In 1h 2m <-- |
 ORIGINAL GREETING CARD ART BY JC DUFFY $14.95 --> Ends In 1h 2m <-- |
 BATMAN BULLSEYE 70 1995 DC Vs Marvel card Wagner $3.00 Buy It Now --> Ends In 1h 2m <-- |
 RIDDLER DAREDEVIL 72 1995 DC Vs Marvel card Ron Wagner $2.00 Buy It Now --> Ends In 1h 2m <-- |
 SPIDER MAN SUPERBOY 73 1995 DC Vs Marvel card Jusko $3.00 Buy It Now --> Ends In 1h 2m <-- |
 GREEN GOBLIN LANTERN 74 1995 DC Vs Marvel card JLA $2.00 Buy It Now --> Ends In 1h 3m <-- |
 JIGSAW DEATHSTROKE 75 1995 DC Vs Marvel card Robertson $2.00 Buy It Now --> Ends In 1h 3m <-- |
 GALACTUS SPECTRE 79 1995 DC Vs Marvel card JSA Quesada $2.00 Buy It Now --> Ends In 1h 3m <-- |
 JOKER SPIDER MAN 78 1995 DC Vs Marvel card Butler $3.00 Buy It Now --> Ends In 1h 3m <-- |
 DR DOOM CAPTAIN MARVEL 77 1995 DC Vs Marvel card JSA $2.00 Buy It Now --> Ends In 1h 3m <-- |
 KILLER CROC HULK 76 1995 DC Vs Marvel card Renaud $2.00 Buy It Now --> Ends In 1h 3m <-- |
 SUPERMAN JUGGERNAUT 80 1995 DC Vs Marvel card Immonen $2.00 Buy It Now --> Ends In 1h 3m <-- |
 ABSORBING MAN STEEL 81 1995 DC Vs Marvel card JLA $1.00 Buy It Now --> Ends In 1h 4m <-- |
 THING SOLOMON GRUNDY 83 1995 DC Vs Marvel card FF JSA $1.00 Buy It Now --> Ends In 1h 4m <-- |
 KILLER CROC ABOMINATION 84 1995 DC Vs Marvel card $1.00 Buy It Now --> Ends In 1h 4m <-- |
 ARCADE RIDDLER 85 1995 DC Vs Marvel card Robertson $1.00 Buy It Now --> Ends In 1h 4m <-- |
 BLACK ADAM MANDARIN 86 1995 DC Vs Marvel card JSA $1.00 Buy It Now --> Ends In 1h 4m <-- |
 BULLSEYE DEADSHOT 87 1995 DC Vs Marvel card Robertson $2.00 Buy It Now --> Ends In 1h 4m <-- |
 CAPTAIN AMERICA BATMAN 91 1995 DC Vs Marvel card Dorman $3.00 Buy It Now --> Ends In 1h 5m <-- |
 DR POLARIS MAGNETO 90 1995 DC Vs Marvel card Armstrong $2.00 Buy It Now --> Ends In 1h 5m <-- |
 ENCHANTRESS CIRCE 89 1995 DC Vs Marvel card Robertson $1.00 Buy It Now --> Ends In 1h 5m <-- |
 DR DOOM CYBORG SUPERMAN 93 1995 DC Vs Marvel card $2.00 Buy It Now --> Ends In 1h 5m <-- |
 TWO FACE JIGSAW 94 1995 DC Vs Marvel card Huddleston $1.00 Buy It Now --> Ends In 1h 5m <-- |
 Lou Ferrigno autographed signed photo the Incredible Hulk Bill Bixby auto card $119.99 Buy It Now --> Ends In 1h 6m <-- |
 MAN BAT LIZARD 96 1995 DC Vs Marvel card Butler $1.00 Buy It Now --> Ends In 1h 6m <-- |
 KINGPIN LEX LUTHOR 97 1995 DC Vs Marvel card Robertson $1.00 Buy It Now --> Ends In 1h 6m <-- |
 SCARECROW SCARECROW 98 1995 DC Vs Marvel card Renaud $1.00 Buy It Now --> Ends In 1h 6m <-- |
 MOLE MAN PENGUIN 99 1995 DC Vs Marvel card Robertson $1.00 Buy It Now --> Ends In 1h 6m <-- |
 CHECKLIST 100 1995 DC Vs Marvel card $1.00 Buy It Now --> Ends In 1h 7m <-- |
 Tuff Stuffs Collect Guide Enterainment Cards Mar 1995 Spider man Power Rangers $0.89 --> Ends In 1h 8m <-- |
 GIANT WESTERN 1950 APR LOUIS LAMOUR CARD GAME COVER $49.99 Buy It Now --> Ends In 1h 18m <-- |
 BOMBAST 1 BY TOPPS IN ORIGINAL WRAPPER WITH CARD $1.50 Buy It Now --> Ends In 1h 24m <-- |
 Zenescope SEXY GRIMM FAIRY TALES Rare PROMO X Mas Card 2008 Christmas $19.99 Buy It Now --> Ends In 1h 26m <-- |
 Analog 11 78 Poul Anderson Haldeman Orson Scott Card $2.37 Buy It Now --> Ends In 1h 36m <-- |
 BUZZER 27 1987 GI Joe Files card Comic Images $1.00 Buy It Now --> Ends In 1h 37m <-- |
 ZARTAN 39 1987 GI Joe Files card Comic Images $2.00 Buy It Now --> Ends In 1h 37m <-- |
 BATS 44 1987 GI Joe Files card Comic Images $1.00 Buy It Now --> Ends In 1h 37m <-- |
 RIPPER 29 1987 GI Joe Files card Comic Images $1.00 Buy It Now --> Ends In 1h 37m <-- |
 1992 MSL PACIFIC PRO SOCCER PLAYER CARDS wax sealed box $8.00 Buy It Now --> Ends In 1h 44m <-- |
 ULTIMATE IRON MAN VOL 1 TPB ORSON SCOTT CARD $9.73 Buy It Now --> Ends In 1h 49m <-- |
 DRACULA VLAD THE IMPALER 1 3 SET 3 FACTORY SEALED WITH CARDS COMICS 1993 VF NM $4.19 Buy It Now --> Ends In 2h 9m <-- |
The Basic Credit Card Types
It may seem incredible, but credit card issuers clog the mails with over 2.5 billion offers inviting people to apply for a credit card. Even those who would not qualify for a conventional credit card due to serious credit problems are now able to get one; some credit card issuers even specialize in this particular type of market. And according to financial gurus, there are at least a billion credit cards in active circulation throughout the United States alone.
Credit has been an economic cornerstone for some time now. Surveys show that the average American household is estimated to have at least twelve credit cards, including charge cards. While you may tend to think that one credit card is pretty much the same as the next, there are in actual fact distinct characteristics for each different credit card type. It is good to know these difference between the three different types of cards in the market: a bank credit card, a travel credit card, an entertainment credit card (although nowadays the combined travel and entertainment card has become more common) and a retail credit card or house card.
Bank Credit Cards
You have probably noticed that most credit cards bear either the logo of Visa or MasterCard together with the name of the bank. It would appear that the credit card has been issued by either Visa or MasterCard. That is not quite an accurate assumption: these two companies do not issue credit cards directly to the consumers. Most of the credit cards on the market today are offered by thousands of banks around the globe. Each bank is linked to the credit card association, because are not allowed to issue any kind of card unless they are association members.
Visa is a privately held membership association, although it is preparing to go public. It started as an association of banks in California and the West Coast. There are over 20,000 financial institutions in the membership rolls, and virtually all of them offer Visa Card. MasterCard is also a membership association, similar to Visa, and originally consisted of member banks in the East.
A bank credit card is in reality a revolving credit line. When you receive your statement, you can pay all or part of your balance each month, run up the balance again and so on. Being a credit line, the account comes with a pre-determined credit limit that depends on key factors like disposable income, credit history, etc. The credit limit can be as low as a $100 or as high as many thousands of dollars.
It is possible for card holders to get themselves into trouble when they do not properly manage the revolving credit line. When you carry a balance instead of paying it off, the credit card issuer starts charging interest on that balance - in some cases, this interest could be pretty steep. The interest rate varies widely, depending on who issued the card, but you could expect the average credit card interest rate to be at about 18 percent.
For instance, if you carry forward a $1,000 balance for 12 months, you pay $180 in interest per year or $15 every month. If you maintain a $1,000 savings account, you will earn about $40 in interest per year. Those who get into trouble will have to reduce debt, and one of the more common ways to go about this, is to arrange for credit card debt consolidation, which helps lighten the interest burden.
Travel and Entertainment Card
Travel and entertainment cards are similar to bank credit cards in the sense that holders can charge purchases at various stores and locations. However, they are also different from bank credit cards because they are offered directly by the credit card companies, namely, American Express and Diners Club.
This credit card type was once accepted primarily at travel- and entertainment-related businesses such as airlines, hotels, restaurants and car rentals. Nowadays, all other establishments, such as upscale department stores, gas stations and drugstores, accept them. Like any bank card, the typical travel and entertainment card of today offers the menu of features that most credit card holders have come to expect, such as frequent flyer miles, luggage insurance and collision insurance coverage on rented cars.
A further difference between travel and entertainment cards, and bank cards, is that travel entertainment cards do not carry an extended line of credit. This means that you will are required to pay your outstanding balances in full, either within one or two billing periods, in order to for the account to stay current.
Both travel and entertainment credit card providers, such as American Express and Diners Club, also deliver categorized summaries of expenses charged to the credit cards at the end of each year. This certainly is a convenience at tax time.
House Card
Unlike a bank credit card, and a travel and entertainment card, which you can use in many purchase locations, a house card is accepted only at a particular store or stores within the same chain. House cards (also referred to as retail charge cards) are the second largest category of credit cards; major house issuers include department stores, oil and gasoline companies, and telephone companies. Discover Card, once owned by Sears, was probably the biggest house card until it was purchased by a financial institution to become a distinct credit card company.
Merchants are very much in favor of house cards as these cards are valuable in helping them to both develop customer loyalty and enhance sales; you may appreciate the shopping convenience they give you. Just like bank credit cards, house cards give you a line of credit, with a limit that varies depending on your creditworthiness. For this reason, you may choose not to pay your credit card bill in full each month. Note, however, that the majority of house cards charge fixed interest rates of between 18 and 22 percent annually; thus a house card is more expensive in terms of interest cost than a bank credit card.
All types of credit cards involve costs when you use them. After knowing the different credit card types, you may choose the credit card that best fits your personality and needs. If you have a number of credit cards on your wallet, you may also consider discarding some.
If you are the type who does not carry a monthly balance, you can have a credit card with no annual fee but make sure that there is a grace period on purchases. However, if you do carry a balance, it is wise to do away with a credit card that has the worst of the following:
· High interest rates
· Unfavorable interest calculations. A credit card may calculate interest charges based on average daily balance, not on the balance due.
· No grace period. Some credit cards might charge interest from the date of purchase until payment date, even if you pay off your balance.
· Nuisance fees. Try to do away with credit cards that have late-payment fees, over-limit fees, fees for not carrying a balance or only a balance below a certain level, or a percentage fee on your credit limit.
The modern bank credit card was first introduced in the 1960s by the Bank of America; the travel and entertainment credit cards were both introduced in the 1950s. Much may changed since then in terms of features and benefits, but the basic characteristics of each type of credit card have remained the same.
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How many holiday cards should go out to a client from a company when employees want to personalize them?
Question:
There might be multiple contacts for a client from our company, and some employees want to personalize the cards. What is the optimal thing to do? What is better: to receive a card with multiple messages? or to get mulitple cards from the same company?
Answer:
multiple messages, however its the harder of the two to get right. you can bombard a persons mailbox with tons of cards to get noticed. but put some thought into it and they wont easily forget. think about why they are your client in the first place. make real like you would send to your family, not some words that got their by a 10.00am meeting thats nice worded for a hundred people. more than anything if your doing it cause it seems like the right thing to do thats gonna come out in the words. do it cause you want to and people will notice.
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