The Credit Card Accountability, Responsibility, And Disclosure (CARD) Act Of 2009- Effect On Credit Card Holders

In the last year or more, credit cards and the laws that govern the industry have come under serious scrutiny due to the large amounts of individuals and families facing serious debt problems involving credit cards.  Card holders have been subjected to stiff fees and increasing interest rates for seemingly no reason, leaving many so far behind in payments, they had no where to turn.  As the credit card industry began to spiral seriously out of control, Congress finally began to take action on behalf of the affected consumers.

Credit card practices have been unfair and deceptive for quite some time
and changes need to be made to continue a healthy economy.  In May 2009, President Obama signed into law the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009.  The action was meant to create more protection for consumers and halt unfair and hidden fees they were being charged for being a credit card holder.
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A Little Investigation And Elbow Grease Saved Us Over $150

Vacuum Cleaner Belts

My wife was vacuuming the house. She notices that the vacuum isn’t picking up as well as it should (this has happened before and we had discovered that the hose was backed up).  No big deal.  Then we smell a real nasty smell of rubber burning.  And the vacuum stopped picking up dirt.  Oh no.  “Great, we have to buy a new vacuum,” I say to my wife.  “What did this one cost us?  Around $150-$200?  Maybe we can get a good deal with it being the holidays and stores are trying to get rid of their inventory,” I say, trying to find the silver lining.  Just what we need though, another expense.
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Write For Free From Broke

Typewriter

Do you have your own blog and are looking for more exposure?  Maybe you don’t but you’re a good writer and you’re looking for a place to share your ideas?  Well, Free From Broke is looking for talented writers for guest articles.
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Saving At The Supermarket Is FUN!

Winn Dixie Receipt

My Money Blog posted an article a few months ago talking about the theory of “price targeting”, where companies try to sell the same product to different people at different prices, hoping to come as close to an individuals’ target price as possible.  In the use of price targeting, shoppers are generally broken down into three categories.
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Tax Tips For Parents

W4 Tax Withholding

Having children is a wonderful experience that is priceless in so many ways! But do they cost you a lot!  Fortunately there is some tax help for parents in the form of deductions and claims.  Robert Meighan, vice president at Turbo Tax, has listed some great tax tips for parents:
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Make Extra Money Taking Real Estate Photos

Real Estate

We recently closed on the sale of our home. Selling a home is a tricky process.  So many factors go into presenting your home to prospective buyers: Price, listings, open houses, dressing your home, getting the best real estate brokers, where the market is…I can go on!  One aspect you can control is how your place is presented to buyers.  One thing we noticed is many people don’t have good pictures of their homes online in their listings.  I’m talking bad picture angles, terrible lighting, pictures of clutter, old dates showing on the pictures, blurry shots, you name it.  And why?  Many don’t understand the importance of dressing their home for sale and putting their best image out their to attract buyers.

Enter taking real estate photos!

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