FOR BREAKING NEWS VISIT www.qns.com DECEMBER 10, 2015 • HOLIDAY • THE QUEENS COURIER 9 holiday guide Smart credit card use for holiday shoppers Using credit cards wisely can help you score some good deals, and offers a layer of consumer protection that cash and debit cards can’t. When holiday shopping, it’s important to fi nd the right balance of when to use plastic and when not, and to understand your credit status before you give your cards a workout. Some planning and precautions can help ensure you use credit wisely this holiday season. Before you start using credit cards for holiday shopping, s take a look at your credit score and report. Knowing your current credit status will help you better understand how much (or little) credit you can afford to use this season. When you enroll in a product such as freecreditscore. com, you are provided access to tools that can help you understand how your spending behaviors impact your credit score and report, while tracking both over time. Once you understand your current credit status, next decided which purchases you’ll make with credit cards. Credit makes sense for some types of purchases more than others. For example, when online shopping, a credit card offers convenience, security and consumer protections that aren’t present with debit cards. Using a credit card for a big-ticket item, such as consumer electronics, can also help you break the cost down into more manageable, incremental payments (although you’ll pay interest, too). One tip that fi nancial planners recommend is to choose just one card for your holiday credit purchases and remove all others from your wallet. Use it for both in-person and online buying. Opt for the card with the lowest interest rate on purchases or the one that gives you the best reward points for using the card. Using just one card allows you to better track your spending and limits the risk of identity theft or fraud if your wallet is lost or stolen while you’re shopping. Avoid the temptation of using store cards or opening new accounts in exchange for a temporary discount. During the holidays, this type of incentive abounds, but store cards often charge higher interest rates that offset the discount you received in exchange for opening the account. And, each new account you open will cause a credit inquiry to show up on your credit report. Finally, pay off holiday purchases right away, rather than carrying a balance. If you won’t be able to pay off a balance within a month (or two at the most), it may be time to reassess your holiday spending and adjust your budget accordingly. Holiday shopping can be fun and rewarding as long as you control your spending and use of credit cards. There’s no need to go into debt or damage your credit. A little planning, and understanding how each fi nancial decision impacts your credit, can help keep the holiday season - and your fi nancial future - bright. Courtesy BPT 189-01 Crocheron Ave., Flushing, NY 11358 • www.dursos.com • Call to place your order: (718) 358-1311 For Starters Choose Any 3: For Starters (choose 1) Antipasto Platter Choice of Salad (choose 1) Create your own fresh seafood sampler! 3-Foot Hero (choose 1 style) Italian Style American Style Grilled Chicken Chicken Milanese Grilled Vegetable Fried Eggplant 4 lbs. Side Salad (choose 1) Potato Salad Macaroni Salad Cole Slaw Party Favorites (choose 2) Caesar Salad (w/ Caesar Dressing) Caesar Salad (w/ Caesar Dressing) Mesclun Salad w/ Dried Cranberries & Asiago Mesclun Salad w/ crumbled Gorgonzola, Mesclun Salad w/ Dried Cranberries & Asiago Mesclun Salad w/ crumbled Gorgonzola, Walnuts & Dried Cranberries Walnuts & Dried Cranberries Choice of Pasta (choose 1) Cheese Lasagna Baked Ziti Penne a la Vodka Choice of Entree (choose 2) Roast Loin of Pork w/ Brown Gravy Stuffed Loin of Pork w/ Spinach, Mozzarella, & Sun-Dried Tomatoes ($10 addt’l) Eye Round Roast Beef w/ Brown Gravy Spiral Ham Eggplant Parmigiana Chicken Scarpriello Choice of Sides (choose 2) Roasted New Potato w/ Rosemary & Garlic Roasted Garlic Mashed Potato Sauteed String Beans Sauteed Carrots Sauteed Broccoli Oven Roasted Vegetables Choice of Dessert (choose 1) Italian Style American Style Grilled Chicken Chicken Milanese Grilled Vegetable Fried Eggplant Potato Salad Macaroni Salad Cole Slaw Buffalo Wings (sweet or spicy) Dijon Chicken Fingers Cocktail Franks in Puff Pastry (48 pc.) Swedish Meatballs Eggplant Rollatini Sausage & Peppers Penne a la Vodka Baked Ziti Cheese Lasagna Baked Ziti Penne a la Vodka Roast Loin of Pork w/ Brown Gravy Stuffed Loin of Pork w/ Spinach, Mozzarella, & Sun-Dried Tomatoes ($10 addt’l) Eye Round Roast Beef w/ Brown Gravy Spiral Ham Eggplant Parmigiana Chicken Scarpriello Roasted New Potato w/ Rosemary & Garlic Roasted Garlic Mashed Potato Sauteed String Beans Sauteed Carrots Sauteed Asparagus Oven Roasted Vegetables $289 (serves 8-10) MUST BE PICKED UP DEC. 24 Christmas Eve Includes 1pt. of salad dressing (Italian, Balsamic, or Caesar), extra sauce for pasta. Orders must be placed by Sat., Dec. 20 $239 (serves 8-10) *available 12/23 - 12/24 only Orders must be placed by Sat., Dec. 20 $199 (serves 8-10) Includes mustard, mayo, Italian dressing, and extra sauce for pasta Orders must be placed by Sun., Dec. 28 Apple Pie Pumpkin Pie Pecan Pie Chocolate Cream Pie 2 lbs. Seafood Salad 2 lbs. Shrimp Cocktail 2 lbs. Fried Shrimp 2 lbs. Coconut Shrimp 2 lbs. Shrimp Scampi 2 lbs. Baked Clams Includes: 2 lbs. Filet of Sole Francese 1/2 Tray Linguine w/ White Clam Sauce Antipasto Platter Antipasto Platter Shrimp Cocktail Platter (30 pc.) Coconut Shrimp w/ Apricot Sauce (30 pc.) For Starters Choose Any 3: For Starters (choose 1) Choice of Salad (choose 1) Create your own fresh seafood sampler! 3-Foot Hero (choose 1 style) 4 lbs. Side Salad (choose 1) Party Favorites (choose 2) Choice of Pasta (choose 1) Choice of Entree (choose 2) Choice of Sides (choose 2) Choice of Dessert (choose 1) Salad Favorites Buffalo Wings (sweet or spicy) Dijon Chicken Fingers Cocktail Franks in Puff Pastry (48 pc.) Swedish Meatballs Eggplant Rollatini Sausage & Peppers Penne a la Vodka Baked Ziti Pasta Entree Sides Dessert $299 (serves 8-10) MUST BE PICKED UP DEC. 24 Christmas Eve Includes 1pt. of salad dressing (Italian, Balsamic, or Caesar), extra sauce for pasta. Orders must be placed by Sun., Dec. 20 $249 (serves 8-10) *available 12/23 - 12/24 only Orders must be placed by Sun., Dec. 20 $199 (serves 8-10) Includes mustard, mayo, Italian dressing, and extra sauce for pasta Orders must be placed by Sun., Dec. 27 Apple Pie Pumpkin Pie Pecan Pie Chocolate Cream Pie 2 lbs. Seafood Salad 2 lbs. Shrimp Cocktail 2 lbs. Fried Shrimp 2 lbs. Coconut Shrimp 2 lbs. Shrimp Scampi 2 dozen Baked Clams Includes: 2 lbs. Filet of Sole Francese 1/2 Tray Linguine w/ White Clam Sauce Salad Antipasto Platter Shrimp Cocktail Platter (30 pc.) Coconut Shrimp w/ Apricot Sauce (30 pc.)
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