Understanding the fine print on a gift card is hard. Trust me, I’ve spent the better part of a month looking through more than 60 examples.
But after weeks of deciphering Web pages, calling toll-free customer service numbers or even calling or visiting individual stores while researching CreditCards.com’s 2011 gift card survey, I think I have a solution for the problem.
I call it the Schulz Box.
I was inspired by what’s known in industry circles as the Schumer Box — the federally mandated box in every credit card’s terms and conditions that includes many key details of your card’s fine print in one relatively easy-to-understand, standardized format. There’s not anything similar for gift cards, but there should be. After all, the gift card industry is expected to generate $100 billion in sales by 2012, according to research firm TowerGroup.
The Credit CARD Act of 2009 required gift card issuers to add more disclosures. For example, any service charges must be listed and include the amount and the frequency. Read more…
We are always striving to bring our customers the absolute best product they can have for the best price. Currently we offer credit monitoring of all 3 credit reports, but you only have access to your Transunion Report and Score. If there are any changes to your Experian or Equifax reports you are notified within 24 hours. Its a great way to monitor all 3 reports.
Coming very soon, we will now offer a way to not only monitor your 3 reports, but to also have access to all 3 credit reports, and all 3 credit scores. In addition to many other great tools.
We understand that right now the economy is still very tough for many of our fellow Americans, and that getting a job is tougher than it ever has been. As you noticed down below many states are using credit scores to show how worthy you are of getting a job, which as I said below is a outrages thing to do! Regardless of what we think it is happening. And with this we felt we needed to find a company to partner with that would show all 3 credit scores.
Look for our new product launching later this week!
There is increased confusion among the masses whether to Roth or Not to Roth. Tere are a few things at roth-ira.org which would help you come to a good decision.
There’s a fine line between the normal IRA and the Roth IRA:
The usual IRA offers tax-deferred growth through which you pay taxes only when you make withdrawals in retirement. And if you qualify, the contributions may be deductible.
The Roth IRA by contrast, doesn’t offer deductible contributions but does give tax-free growth which means you don’t have to pay taxes when you do withdrawals in retirement!.
For example, If you make $50,000 annually and contribute say, $4000 to your traditional IRA, you will be taxed for only $46,000. I Read more…
Occupy Wall Street started as a small movement in New York City but has now swept the globe. While the list of grievances varies, the ever-present theme is the haves versus the have-nots, the 1 percent versus the 99 percent. A staggering income may give the 1 percent power, but you also have a valuable asset: your three credit scores.
Credit scores are not income-driven, and wealth doesn’t guarantee sterling scores. The Wall Street protesters contend that the world of finance is rigged in favor of the rich. But credit scores present an equal playing field: no matter who you are, if you want to get the most out of your credit, you have to apply sound credit management. That means checking your credit scores regularly, using your credit wisely, and making sure you’re protected against credit fraud and errors. Income disparities have become a political flashpoint, but even people of modest means can belong to the elite group that has the top 1 percent of credit scores.
FreeScore offers you the Power of 3 to help you stay on top of your credit. Thi
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Besides the personal credit report one can also get the free business credit report. This can be of supportive nature for the business as it contributes to get the approval of the credit facility required by the business to carry on well its daily activities and also for the development.
Small business or big production houses, every commercial firm are depended on credit. The survival of the firms in the fiscal market is only possible if they get the credit facility whenever there is a need for it. Thus for the approval of the credit facility it is very important that they maintain the credit records.
If a commercial firm wants to take the benefit of the loan they are needed to place the credit report of the firm. If the report are well contained with the positive aspects then it is possible that they acquire the loan facility at better terms and conditions or if not the firm will have to face the denial of the loan application. Therefore a firm must always try to keep up a good credit operation and they should be well maintaining the trust of the lenders.
If the firm has to achieve the trust of the lenders then it should be considered that any of the credit facility availed are paid back on time.
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Debt reoccurrence is always a bad sign of life and could lead to a disastrous ending. Hence it is essential to learn methods of dealing with debt right at the very beginning before it is too late. The basic steps to be taken to deal with debt problems are very simple and should be followed very strictly and carefully. Any wrong step could lead to unwanted troubles and further debt problems.
The main tips to be followed are firstly to know what your debts are and make a list of them putting them in order of importance. In this ensure that priority is given to debts that could lead to severe actions from the lender and then go down to the less important or dangerous debt. In these important and crucial payments due the mortgage, utilities, house rent, council taxes and court fees if any are provided top priority, as failure in paying off these could be disastrous.
The next step to be taken is to work out a personal budget with accordance to what are the sources of your total income and then the priority of repayment of debts in accordance of the amount and time of income. Read more…