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QC12112014

6 The Queens Courier • holiday • december 11, 2014 for breaking news visit www.queenscourier.com 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 find the right balance of when to use plastic and when not, and to understand your credit status before you give your cards a workout. Fortunately, some planning and precautions can help ensure you use credit wisely this holiday season. Before you start using credit cards for holiday s shopping, 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). For smaller in-store purchases, like wrapping paper or stocking stuffers, cash may be a better option. One tip that financial 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. Too many inquiries in too short a time can lower your credit score. 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 financial decision impacts your credit, can help keep the holiday season - and your financial future - bright. 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In a Reusable Wooden Crate with Chalk Board $45.99 BAY TERRACE SHOPPING CENTER 26th Ave & Bell Blvd. 718-225-8164 THIS HOLIDAY SEASON GIVE THE GIFT OF HEALTH 100% GUARANTEED Organic Baskets Nut Baskets Dried Fruit Baskets Tea Baskets Gluten Free Baskets Party Baskets Spa Baskets and more… Visit Our Westbury Store 92 Old Country Rd Westbury 516-683-9177 Natural Gourmet Basket A Natural Bounty full of Natural and Organic Low Glycemic Sugar Free Basket & RECEIVE A FREE GIFT WITH YOUR FIRST PURCHASE Our Tote Contains Raw Almonds, Holiday Mixture with Pineapple and Unsalted Roasted Cashews in Reusable Glass Jars and beautifully gift wrapped in an Eco Friendly Abaca Tote. $25.99 Includes an assortment of BAY TERRACE SHOPPING CENTER 26th Ave & Bell Blvd. 718-225-8164 THIS HOLIDAY SEASON GIVE THE GIFT OF HEALTH 100% GUARANTEED Organic Baskets Nut Baskets Visit Our Westbury Store 92 Old Country Rd Westbury 516-683-9177 BRING THIS AD TO RECEIVE A Holiday Nut Tote $10 PUNCH CARD Our Tote Contains Raw BAY TERRACE SHOPPING CENTER 26th Ave & Bell Blvd. THIS HOLIDAY SEASON GIVE THE GIFT OF HEALTH Visit Our Westbury Store 92 Old Country Rd Westbury Winter Health Nut 022: TO ADVERTISE CALL (866) 365-1434 See more coupons @ www.Seasons-Savings.com Visit Our Westbury Store 92 Old Country Rd Westbury 516-683-9177 Natural Gourmet Basket A Natural Bounty full of Natural and Organic Goodies. Includes: Organic Crackers, Organic Pretzels, Organic Spreads, Organic Seaweed Snacks, Organic Tea, Bean and Rice Chips, Organic Dried Fruits, Organic Chocolate Bar, Organic Cereal, Organic Biscuits, Organic Sparkling Juice and so much more. $ 75.00 Low Glycemic Sugar Free Basket & RECEIVE A FREE GIFT WITH YOUR FIRST PURCHASE Our Tote Contains Raw Almonds, Holiday Mixture with Pineapple and Unsalted Roasted Cashews in Reusable Glass Jars and beautifully gift wrapped in an Eco Friendly Abaca Tote. $25.99 Includes an assortment of hand picked items that have a low glycemic index. Organic Teas, Sugar Free Biscuits, Organic Raw Almonds, Hi Protein Low Carbohydrate Snack Bar, Stevia Sweetened Chocolate Bar, High Fiber Cereal, Plantain Chip and Way Better Snack Chips. In a Reusable Wooden Crate with Chalk Board $45.99 Holiday Mixture with Pineapple in Gold Rim Clear Container Great to show your appreciation to a Special Teacher, Co worker, Good Neighbor • 72% Dark Chocolate Almonds 1lb 4oz $20.99 • Fancy Unsalted Mixed Nuts 1Lb $13.99 • Unsulphured Holiday Mixture with Pineapple 1lb $10.99 More selections at www.healthynutfactory.com Elegant Holiday Tower Sturdy Reusable box filled with our Holiday Mixture and Almonds Comes beautifully gift wrapped! Great for Holiday visiting to be enjoyed by the entire family. 2lb 8oz $25.99 Also available in green box and in an Eco Friendly Jute Tote Triple Delight (3 pocket tote) Beautiful in presentation, abundant in variety, excellent in selection 8oz Jumbo Cashew No Salt, 8oz Fancy Unsalted Mixed Nuts, 8oz Raw Almonds, 2lb Holiday Mixture with Pineapple, 24.5 fl oz Organic Sparkling Juice $39.99 More selections at www.healthynutfactory.com Organic Basket Includes Organic Tea, Organic Mangos, Organic Endurance Mix & Almonds. Organic Chia Seeds Chips, Organic Pretzels, Organic 70% Dark Chocolate, Organic Pudding, Helwa Organic Wafers, Organic Cookies, Organic Crafters Jam. In a Reusable Holiday Tin/Tub $65.99 Holiday Tea Basket Our Holiday Tea Basket has an assortment of 9 Herbal Tea, 2 Organic Crofters Strawberry and Pomegranate Jams, Midel Gingerbread Cookies, Amazing Hot Chocolate Stick & a Pure Clove Bear Honey In a reusable Palm Basket with Ceramic Handles. $45.99 Also Available Gluten Free Tea Basket $45.99 Tea Lovers Basket $39.99 • Organic Tea Basket $45.99 Gluten Free Basket Includes and array of Chocolate Chips, Brown Rice Snaps, Lady Fingers, Pretzels, Multi Grain Crackers, Pound Cake, Milk Chocolate bar, Almond Macaroons. $45.99-$49.99 Exceptional Holiday Assortment Our signature piece for over 30 years. Clear safe styrene 6 section box filled with everyone’s favorite nuts and dried fruits. This gift includes: Filberts/No Salt Mixed Nuts, Jumbo Cashews, Raw Organic Walnuts, Cranberries, Medjool Dates, Chopped Dates rolled in Coconuts, Raw Almonds, Holiday Mixture. 2lb 8oz $35.00 Holiday Pamper Me Basket Our Holiday Pamper Me Basket contains Large Wooden Loofa Back Brush, One Deluxe Exfoliating Glove, One Natural Ramie Mitt, One Deep Steep Body Wash, One Loofa Facial Disc, One Natural Ramie Puff, One South of France Hand Soap, Assorted Kiss my Face Soap, Pumice Stone, One Foot and Nail Brush, One Foot File. $55.99 Also available: All Natural Vegan Paraben Free Soap Gift Packs Starting at $12.99 Classic Tins Unsulphured Holiday Mixture in a Red Bow Tin Square 2lb $19.99 Variety of Classic Tins Collection available at www.healthynutfactory.com Organic Basket Includes Organic Tea, Organic Mangos, Organic Endurance Mix & Almonds. Organic Chia Seeds Chips, Organic Pretzels, Organic 70% Dark Chocolate, Organic Pudding, Helwa Organic Wafers, Organic Cookies, Organic Crafters Jam. In a Reusable Holiday Tin/Tub $65.99 Holiday Tea Basket Our Holiday Tea Basket has an assortment of 9 Herbal Tea, 2 Organic Crofters Strawberry and Pomegranate Jams, Midel Gingerbread Cookies, Amazing Hot Chocolate Stick & a Pure Clove Bear Honey In a reusable Palm Basket with Ceramic Handles. $45.99 Also Available Gluten Free Tea Basket $45.99 Tea Lovers Basket $39.99 • Organic Tea Basket $45.99 Gluten Free Basket Includes and array of Chocolate Chips, Brown Rice Snaps, Lady Fingers, Pretzels, Multi Grain Crackers, Pound Cake, Milk Chocolate bar, Almond Macaroons. $45.99-$49.99 Exceptional Holiday Assortment Our signature piece for over 30 years. Clear safe styrene 6 section box filled with everyone’s favorite nuts and dried fruits. This gift includes: Filberts/No Salt Mixed Nuts, Jumbo Cashews, Raw Organic Walnuts, Cranberries, Medjool Dates, Chopped Dates rolled in Coconuts, Raw Almonds, Holiday Mixture. 2lb 8oz $35.00 Holiday Pamper Me Basket Our Holiday Pamper Me Basket contains Large Wooden Loofa Back Brush, One Deluxe Exfoliating Glove, One Natural Ramie Mitt, One Deep Steep Body Wash, One Loofa Facial Disc, One Natural Ramie Puff, One South of France Hand Soap, Assorted Kiss my Face Soap, Pumice Stone, One Foot and Nail Brush, One Foot File. $55.99 Also available: All Natural Vegan Paraben Free Soap Gift Packs Starting at $12.99 Classic Tins Unsulphured Holiday Mixture in a Red Bow Tin Square 2lb $19.99 Variety of Classic Tins Collection available at www.healthynutfactory.com MAKING HOLIDAYS EXTRAORDINARY SINCE 1971 We’ll ship your gifts anywhere in the US Place your orders early online or visit our store www.HealthyNutFactory.com 1-855-LOV-NUTS Offer Expires 2/28/15


QC12112014
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