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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Savings Goals In The New Year And Beyond
Making just one goal with regards to your savings can make a real difference. Here are savings goals which can help you have a financially secure and less financially stressful 2010, so know your situation and choose one which best suits you.
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A Little Investigation And Elbow Grease Saved Us Over $150
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
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!
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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