Every 12 seconds, somewhere in the world, a laptop is stolen -- and students heading to college need to take some simple precautions to protect not only their computers, but all the sensitive information stored on them. Don't think you've used your credit card (or your parent's) or Social Security number on your laptop? Think again. Did you fill out your college application, essay, or financial application on your computer? What about your iTunes account or online banking account? All of that data is stored somewhere within your system. Just deleting information from your Recycle Bin isn't enough -- computer thieves are experts at undeleting such files. (See 10 ways to protect your computer and personal information.)

With gas prices rising nearly every day, many consumers are turning to gas rebate cards to offset the amount they’re spending at the pump. Gas rebate cards, such as the Discover Open Road Card, offer cash back rewards for every dollar you spend at gas stations. The Discover Open Road Card is singularly unique because of its double-reward program. Typically, customers earn 5% cash back on all purchases at gas stations, but if you redeem your cash back rewards with select merchants, you receive double the original amount. Discover offers a 0% introductory APR, which applies to both purchases and balance transfers. Customers also enjoy 0% fraud liability and free online Bill Pay. This card does require excellent credit, however, and they do have a minimum spending limit to receive the full 5% cash back.

If you have an American Express Credit Card, your overseas banking will be made much easier. Most American Express financial centers will cash personal checks of up to $1,000 for regular card holders and up to $5,000 for gold card members. They can also provide simple, fast currency exchanges and money transfers. While it is always a good idea to have your bank information with you wherever you travel, having an American Express credit card acts like an extension of your personal bank. Running out of cash in a foreign country is terrifying, and something to avoid wherever possible. If you have your American Express credit card, you can receive cash advances and money transfers at financial centers. Business travel is one of the most stressful aspects of a professional career, and if travel is a large part of your career, then an American Express credit card can cut anxiety to a minimum.

The credit card wars continue to heat up and that spells good news? For consumers. Despite rising interest rates, many issuers are continuing with their popular 0% introductory APR plans, giving new card holders a great way to save money and pay off their debts. One issuer, Advanta, has thrown the gauntlet down and is now offering an extremely low APR on balances until the debt is paid off. Let’s take a look at three Advanta offerings to find the one that has the best advantage for you and your wallet. There just aren’t too many cards out there offering 0% APR beyond the first 12 months of issuance. And why is that? Because, credit card issuers know that interest rates will continue to head up.