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Learn More About the Changes Made to Credit Cards

Learn More About the Changes Made to Credit Cards

Credit, Insurance
On May 22, 2009, President Barack Obama signed the Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 into law. Congress passed the Credit CARD Act to protect consumers from unfair practices by credit issuers. The law passed with a great deal of bipartisan support in both the Senate and the House of Representatives. Provisions The provisions of the Credit CARD Act of 2009 are listed below. Limited interest rate increases. Interest rate hikes can only take place when a promotional rate expires, the rate is variable, or if the consumer pays late. Changes in the terms of an account cannot take place without notice 45 days in advance. Reasonable time to pay card bills. Consumer must have at least 21 days to pay their bill after the issuer mails or…
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Here are Some Challenges of Home Insurance to Consider

Here are Some Challenges of Home Insurance to Consider

Insurance
Home insurance is not a game that you are going to win just by showing up. It is something that requires your attention and your care in order to get correct. There are some challenges that you are going to face whenever you look for the proper coverage. In order to beat these challenges you must first know what they are. The following are some of those challenges and how you can fight them away. You are the one who is in control when you are dealing with home insurance, so remember that. These challenges are something that you can overcome, so just need to put forth the right effort. High Risk Areas These are areas that often times have the biggest challenge to find home insurance at all, let…
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Here’s How to Avoid a Scam After a Disaster

Here’s How to Avoid a Scam After a Disaster

Disaster, Insurance
A disaster is never a fun thing to do through. This can cause a lot of trouble and a lot of damage to your home and your possessions. You need to make sure that your home insurance policy will come through for you. You also need to make sure you are paying attention and that you are avoiding a scam that could potentially arise after a disaster. The following are some of the tips that will help you in this area. Falling for a scam after a disaster could be just like another mini disaster. Take your time and really make sure that everything works out for you just like you would like it to. Your plan is supposed to protect you at this point. Builders Sometimes there will be…
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How to Get the Best Coverage With Ease

How to Get the Best Coverage With Ease

Insurance, Vehicle
Are you really looking to get the best deal possible on your car insurance? This sounds like a question that has an obvious answer, but unfortunately some people just want to get car insurance quickly, so they do not worry about what is going on. It is important that you take your time and figure out how your car insurance can protect you on the roads while still protecting your wallet. The following tips can help you get the best deal that you can possibly get on your auto insurance. Remember, everybody has different needs so what might be the best deal for someone else might not be the best for you. Take your time and really decide how you can take this in a positive direction right away. Coverage…
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The Difference Between Credit Negotiation and Consolidation

The Difference Between Credit Negotiation and Consolidation

Credit, Insurance
If you have issues with debt and creditors, you have probably spent one or two sleepless nights worrying about paying back your minimum payments on time or avoiding answering the phones, checking you Caller ID to see if it is friend or foe on the other end before picking up. In order to manage your debt, you may have considered two different types of management services: debt consolidation and negotiation. The difference between these two options is striking and can have a profound impact on your credit rating and your financial future. All About Negotiating Debt negotiation is a solution for those who are struggling with financial issues and no longer have sufficient credit or income to justify the simpler consolidation option. It entails contacting your various lenders and convincing…
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Make Sure You’re Taking Advantage of All the Discounts

Make Sure You’re Taking Advantage of All the Discounts

Insurance, Vehicle
How are you feeling about your car insurance? Are you interested in saving yourself some money while still getting that great car insurance that you can use to your advantage? Well, we want to help you a little bit today by going over some of the discounts that you can get on your coverage. Sometimes it really helps to just go back to basics, and that is what we want to do. Here are some basic discounts that we think you need to take a look at. You do not need to sign up for a new policy just to get the discounts. All you need to do is go to your agent and have them help you out. Safe Driving Have you gotten in any accidents lately? If you…
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