Online Shopping Lingo: Abbreviations and Acronyms

Visiting coupon, refunding or bargain sites may, at first, seem
Like visiting a foreign country. You see phrases such as:

GDA! BBW B & M BOGO on soaps, HTH

And you think WHAT? Huh? What are they talking about? What
Language is THAT?

(Translation: Good Deal Alert! Bath & Body Works
Brick-and-mortar store has buy-one-get-one on soaps, hope this

I mean, it's enough to make you want to TYHO!
(Tear Your Hair Out – I made that one up.)

Before you click away in frustration, let me reassure you that
It IS possible to speak like a native – you just need a guide to
The terminology, acronyms, abbreviations, definitions and common
Word usage found on rebate and premium product lists, coupon and
Online code lists, and reimbursement and trading forums.

Each site you visit may have its own particular phrases, but
Generally speaking the most common terms are found in the list


B & M = Brick & Mortar

B1G1F = Buy One Get One Free

BOGO = (the same as B1G1), Buy One, Get One (usually free)

C / O = Cash Off or Cents Off

CPN = Coupon

CRT = Cash Register Tape

CSR = Customer Service Reps

CVS = A pharmacy / drug store like Rite-Aid

DB = Dear / Darling / Darn Brother

DCRT = Dated Cash Register Receipt

DD * = Dear / Darling / Darn Daughter

DG = Dear / Darling / Darn Girlfriend

DH = Dear / Darling / Darn Husband

DND = Do Not Double

DS * = Dear / Darling / Darn Son

DUPES = Duplicates

DW = Dear / Darling / Darn Wife

EB = Extra Bucks (CVS)

ECB = Extra Care Bucks (CVS)

ESR = Easy Saver Rebate (Walgreens monthly rebate)

FAB = From another Board

GC = Gift Certificate

GDA = Good deal alert

GWP = Gift With Purchase

H / F = Handling Fee

HT / HGT = Hang tag

ISO = In Search Of

LMK = Let Me Know

LOL = Laughing Out Loud and / or Lots of Luck

LPG = Lower Price Guarantee

LSASE = Long self addressed stamped envelope

MIB = Mint in Box

MIL = Mother-in-Law

MMV = Mileage May Vary

MS = Mystery Shopper

NAZ = Name Address Zip code

NED = No expiration date

NIB = New in box

NOCC = No Credit Card

NWOT = New WithOut Tags

NWT = New With Tags

OBO = Or Best Offer

PLMK = Please let me know

POB = Post Office Box

POP = Proof of Purchase

PP = Purchase Price

PPHF = PayPal Handling fee

PREM (Premium) = An item received from a refund offer.

PSTG = Postage

Qualifier (Q) = Proof of Purchase.

RAOK = Random Act of Kindness

RP = Rewards Programs

SAHM = Stay At Home Mom

SASE = Self Addressed Stamped Envelope

SMP = Particularly Marked Packages

TMF = Try Me Free

TOS = Terms of Service

TTFN = Ta ta for now

TY / ty = Thank you

UNL = Unlimited

UPC = Universal Product Code

W / L or WL = Wish list

WAHM = Work at home mom

Winetags = coupons found around the neck of a wine bottle

YMMV = Your Merchandise (or Mileage) May Vary

* (Add an S for step _ so DSD is Dear / Darling / Darn Step-Daughter)

Evaluating Credit Card Offers: Essential Terms You Must Understand

Credit card offers, they're everywhere! They appear in your mailbox. They pop up while you're surfing the Internet. They're in slick brochures next to the cash register or gas pump. They're in full-page ads in the Sunday papers.

If you need a new credit card, how do you choose? You should evaluate each offer carefully, and to do that you must understand these essential terms.

Annual Percentage Rate (APR) :

The interest rate charged on your account balance. (But see "Balance Calculation Methods," because the rules for computing interest from your balance and your APR can vary.) Your statement will typically show the APR and a monthly and / or daily rate based on the APR that's actually used to calculate your Monthly interest. There may be several APRs applicable to different portions of your balance, for example an introductory rate, a regular purchase rate, and a regular cash advance rate.

A fixed APR is set by the credit card company, which can generally change it with as little as 15 days advance notice, especially if you run afoul of any of the "gotchas" in the terms. These "gotchas" are often very consumer-unfriendly. For example, many companies these days reserve the right to raise your rate if you've been late on a payment to another, unrelated company.

A variable APR is tied to some widely used economic index, such as the Prime Rate. It may be stated as "prime + x%, currently y%," for example "prime + 7%, currently 13.5%." This means that when the Prime Rate is 6.5%, your APR is 13.5%. When the Prime Rate goes up or down, so does your APR. But beware, because some of the same "gotchas" apply to variable APRs as to fixed APRs. Read the fine print. It may state that if you're late with one payment, your APR will no longer be variable but will rise to an exorbitant fixed rate, usually over 20%.

The penalty APR is the rate to which your APR will immediately be raised when you violate any of the "gotchas" in the terms. This rate is usually at least 50% higher than the regular APR. Again, be sure to read the fine print to see what situations will trigger the penalty APR. You'll often see these: failure to pay this or any other account on time, exceeding your credit limit on this or any other account, excessive credit balances on your accounts in aggregate.

Balance Calculation Methods:

These are important to understand, because your APR is only part of the story when it comes to calculating the interest you'll be charged each month. The other part is how the balance is calculated to which the APR is applied. In any case the balance is multiplied by the daily or monthly interest rate. But the balance calculation is not as straightforward as you might think.

1. Two-Cycle Balance. This is the worst method from a consumer's point of view because it can lead to the highest interest calculations. Unfortunately, it's also becoming the most widely used method. To calculate the balance, add together the average daily balances for the current billing period (sometimes even including new charges) and the previous period. Here's why this is so unfriendly to you. Say you have run a balance for a few months and finally pay it from $ 200 down to zero at the end of May. You think it's safe to use the card in June for a new $ 100 purchase, and if you pay the $ 100 by the end of the June grace period, you will not owe any interest on it. But you're wrong. Since your average daily balance in May was not zero (say it was $ 120), and since you used the card in June, your interest will be calculated on May's average balance again, so even if you pay the whole June purchase in June, you Will still owe additional interest. In other words, you must wait two months, allow the account to cycle once with a zero balance, before it's safe to use it again – "safe" in the sense that you will not incur extra interest if you pay the balance in full By the end of the grace period.

2. Average Daily Balance. This was once the most common calculation method and is still popular. Add the daily balance for each day in the billing cycle, then divide by the number of days in the cycle. Depending on the terms, this may or may not include new charges.

3. Adjusted Balance. This is the best method from a consumer's point of view, but it's rapidly going the way of the dodo. Take the balance at the beginning of the billing cycle, then subtract any payments or other credits recorded during the cycle. Do not include new charges during the cycle. For example, if your beginning balance was $ 1200, and you paid $ 400 during the cycle, the balance to which your monthly rate will be applied is $ 800, regardless of any new charges.

Balance Transfer:

This means that you're charging card X to pay off (all or part of) the balance on card Y. So the balance is, in effect, transferred from card Y to card X. Why would you want to do this? Usually to take advantage of an introductory low interest rate when applying for a new card. Look closely at the terms. Sometimes these introductory rates last only a few months. The best ones are for the life of the balance. You will often have to pay a transaction fee equal to 3% of the balance transferred. Sometimes these fees are capped at $ 75 or so. Be sure to see whether or not the transaction fee excepts what you'll save in interest. If so, do not do it. Sometimes the credit card company will agree to waive the fee, especially on a new account. Do not be afraid to ask.

Cash Advance:

A cash loan charged immediately to your credit card account. Usually there is no grace period for paying off a cash advance, which means you'll be charged interest starting from the day of the loan, even if you pay it in full by the end of the billing cycle. Also this type of charge may have a higher APR than purchases or balance transfers. Check your terms. Note that some kinds of transactions, like buying casino chips or lottery tickets, may be valued as cash advances. This can also apply to writing a purchase check to your own bank account. Be sure to read the fine print.

Credit Limit:

The upper limit on your account balance. Exceeding it may result in penalties. Be very careful if your balance is close to the limit ("maxed out"), because you can exceed it without charging anything new if you fail to pay enough. Remember that just because the company has approved you for a certain limit does not mean you can afford to take on that much debt.

Disclosure Chart:

An important portion of the Terms and Conditions statement. It's a little bit like the Nutrition Statement on a food package because the law dictates what has to be listed here. If you can not stand to read all the fine print, be sure that you read this part.

  1. Fixed APR or APRs after any introductory rate (s) have expired
  2. Rule (s) for calculating variable APR (s) if applicable
  3. Grace period
  4. Annual fee if applicable
  5. Minimum per-cycle finance charge
  6. Additional fees if applicable, such as cash advance fees
  7. Balance calculation method
  8. Late payment and delinquency fees
  9. Over limit fees

Grace Period:

The time, calculated from the account cycle date, during which you can pay the balance in full without having any interest charged. This usually applies only to purchases, and only if you've paid the previous month's balance in full and on time. (Sometimes even that's not enough. See "Two-Cycle Balance" calculation method for an additional "gotcha.")


This can be very misleading. It does not mean the company is guaranteeing to issue you the card in the offer. It just means that they chose you to receive this offer based on some general screening of your credit report. They always reserve the right to deny or alter the offer based on a more detailed examination of your records.

10 Essential Investor Tips For Successful Investing

Trading and investing into the financial markets has never been more popular. More and more people are starting to see the benefits of taking a little time to, first invest in themselves through a trading and investing education, but also using that knowledge on the financial markets.

Whilst traders may take quicker positions and investor will most likely be holding positions for much longer, sometimes months or even years. So, if you fancy investing into the financial markets successfully, and profit from companies you already know about like Google, Facebook or Microsoft, then these are the ten essential things that an investor must do and know before they start. Let's take a look …

1. What are your goals?

It sounds simple but many people start investing into a trillion dollar market without any type of plan which, let's face it, is essentially a gamble. Whilst it can be very simple to invest profitably for the long-term you must define your goals as this will align your expectations correctly, so you do not kick yourself in the teeth if you do not hit a million dollars in one day. For example, knowing whether you are investing for the next five or twenty-five years can make a huge difference to how you decide to invest.

2. Start early for compound interest

The single largest reason to the success of most billionaires is the power of 'compound interest'. Even Albert Einstein regarded this as the 'eighth wonder of the world'. It basically means that your money makes you money as all the gains you make put back into an investment so it compounds and builds over time. Sounds good right? It definitely is! The earlier you start the better but no matter how old you are it's never too late to start but effective that you do actually start!

3. Every little helps

No matter how little or how big you can invest, it is well worth investing on a regular basis. It sounds so simple but most people do not see the point in investing just $ 10 per month. However, if you look to the future by the time you're very old that amounts to a lot especially if you parked it into some good investments over the years. Of course, most people have a 'spend today and save tomorrow' mentality and that's the trap folks. Save and invest regularly to reap the rewards in the long run – you'll be glad you did.

4. Diversify

It's imperative to spread your capital across a wide range of investments to reduce your risk and increase potential returns over the long-term. Whilst some investments are doing poorly some others may be doing great, thereby balancing it out. However, if you're fully invested into just one thing then it's either 100% right or wrong. There are thousands of markets across treaties, stocks, commodities and indices so the opportunity is there.

5. Educate yourself

By far the most important tip. You must educate yourself and learn your craft. After all if you're investing your hard-earned capital it makes sense to do your homework. Even if you read all the articles here and watched all the videos you'll be doing far better than the majority of investing wannabes who simply give away their money to the markets.

6. Have practical expectations

Of course, we all want that million dollar investment and for many it will come at some point. But you can not plan for that, if it happens great if not then you still need a plan to survive and to reach your goals as discussed in the first tip. Remember it's the journey that's the most beautiful part and what you do on a daily basis that makes the difference.

7. But do not limit yourself

It's important one must remain conservative in deciding which investment to take. However, that should not limit you to just what you know. Be creative and find opportunities no matter how inconvenienced they may be. After all if it was that comfortable everyone would be doing it. Be adventurous in finding opportunities but be conservative in deciding which ones to take.

8. Manage your risk

Successful investing is all about managing risk. If you have $ 1,000 to invest then there's no point in putting all of that on just one investment. You're basically saying it has a 100% success rate … which of course is extremely unlicly. If you follow the steps above, like making sure you diversify, then you'll be on the right path.

9. Review constantly

A very simple step to achieving more than what you are already doing is to review your investments constantly. However, this does not mean to look at your profit and loss of a five-year investment every single day – you'll never make it to the fifth year as markets move up and down. But it's important to review what investments have worked and have not worked. Concentrate on doing more of the stuff that has worked and find out where you're going wrong with the stuff that has not.

10. Have fun!

Sounds simple but most people forget that best work comes from when we enjoy the process. Whilst investing is a serious process you are allowed to enjoy it too. In fact the buzz of finding an opportunity, researching it, investing into it and then seeing the result is exciting in itself.

There you have it ten essential tips for successful investing.

Outdoor Advertising

Outdoor advertising is used to promote or advertise products and services using billboards, storefront signs, banners, wraps, decals, and other forms of signage. Vehicle wraps is a good example of how outdoor advertising works. It is a very effective and inexpensive tool for small companies who are looking to advertise their business in a specific area and within a limited budget. Without signs, it would be hard for customers to find a business or get information regarding products and services.

Outdoor signs are probably the first thing customers see and established an impression about the nature of a business. To leave a good impression on your visitors, you have to display your products, services, pricing etc. in a very attractive and creative way. Information should be displayed in a very simple and conspicuous way so that customers can quickly understand what your business is all about.

It is absolutely imperative for a business, whether small or large, to install signs as a source to build brand identity and authority. To make things simple, you can just visit your city and see what kind of sign boards grab your attention. It will give you a fair chance to develop an understanding of what type of signage would work for your business.

If you are running a business which involves a fleet of vehicles facilitating delivery of products and services, your company’s name, products, services, logo, contact information etc. should be clearly visible on your vehicles. A billboard might cost a handful of money. However, vehicles can be used as cheap mobile billboards.

Billboards are usually used to address a large audience. It is probably hard for small businesses to afford billboards as a source of outdoor advertising. However, a billboard, if designed properly, can be very useful in promoting campaigns, offers, or anything desired.

Banners is another tool to boost up outdoor advertising campaigns. It can be used as both indoor and outdoor signs. You can decide the size and content of banners depending on your requirements. A complete range of outdoor signs can be obtained from signage companies. It is not feasible to make a banner or billboard at home for it requires printing equipment and skills. Therefore, it is advisable to visit a reputable signage company to get perfectly designed outdoor advertising signs.

Despite the unprecedented advancement in technology, these simple outdoor advertising tools to promote products and services remain relevant and effective. So do not miss out the opportunity to promote your business with limited sources.