CREDIT CARD
Credit Card Catches
BY KNOWLEDGEFINANCIAL.COM

Credit card offers these days often come accompanied by pages and pages of fine print. Buried in this
legalese are some common catches that could impact you in a major way. From universal default
clauses to annual fees, here are the most common credit card traps you should avoid:

Annual Fees – An annual fee is a charge sometimes required by credit card companies for use of an
account. These fees usually range between $35-$50 and are most common with subprime credit cards
designed for borrowers with poor credit and rewards credit cards. You can see exactly what the annual
fee on a credit card offer is by checking out the “Schumer Box” in the rates and terms section of the
offer. With a rewards card, you should ensure that the benefits of the mileage or points program outweigh
the cost of the annual fee.

Bill Payment Fees – Even with online banking becoming increasingly common, some credit card
companies charge extra fees for paying your bills online or by phone. If this is the case with your card,
be sure you pay your bill by mail as soon as the statement arrives. You don’t want to have to pay an extra
$5 or $10 just to make your credit card payment on time each month.

Grace Period – Standard credit cards commonly have a 20 to 30 day grace period. This is the period of
time when you can pay your credit card bill without being charged interest. It is important for borrowers
who like to use their credit cards frequently and pay their bills in full each month to have a long grace
period. If your credit card doesn’t have a grace period, interest is charged on your debt as soon as you
make a purchase.

Introductory Rates – Most credit card offers these days include an introductory rate for the first few
months. A 0% offer can be a great deal as long as you know what strings are attached. How long does
the introductory rate last? Does it apply to new purchases and balance transfers? Creditors can usually
cancel the introductory rate early if you make a late payment. In some cases, you may have to pay
interest retroactively on a debt if you haven’t paid it off before the end of the introductory period.

Penalty Rate – If you make a late payment on your credit card, you may have to kiss your good interest
rate goodbye for a while. About 75% of credit card providers include a penalty rate clause with their
credit card offers. This clause states that your rates can increase dramatically if you make a late
payment on the account. The average penalty rate on a credit card is around 23%, a costly increase for
a credit card that normally has a 6-12% APR. After about six months of on-time payments, most creditors
will consider lowering your APR again.

Universal Default Clause – This increasingly common policy allows creditors to increase your interest
rates if you make a late payment on any account, not just on their accounts. For example, your credit
card APR could increase to the penalty rate if you make a late payment on an unrelated loan. Your
creditors track your payment history with other accounts by checking your credit report. You can avoid
problems with this clause by paying all your bills on time each month.
Even with hidden catches, credit cards are one of the easiest and most affordable ways for you to borrow
money. As long as you avoid these credit card traps and use your accounts responsibly, you can make
the credit card system work for you. Luckily, Credit.com has taken the pain out of reading the fine print!
Search for credit cards that meet your requirements online with Credit.com’s credit card chooser tool.
KNOWLEDGEFINANCIAL.COM

The Top 10 Credit Mistakes

1. Closing Credit Cards Accounts

Some of you may wonder why Closing Credit Cards is number one on this list as the biggest credit mistake even above Missing Payments. In fact, closing credit cards is almost as bad of an idea to increase your credit
scores as missing payments, but it is also a clear number one on the list of credit myths. It is perhaps the most common piece of advice that consumers are given when they ask,” How can I increase my credit scores?”. If
there were ever a wolf in sheep’s closing as far as credit mistakes go, it’s this one. Closing credit card accounts will not increase your credit scores. So called “industry experts” such as mortgage lenders suggest that you
close credit cards as a strategy to increase your credit scores to qualify for home loans. However, there are two huge reasons not to close credit cards that you no longer use. They are:

They will eventually fall off your credit reports – Information on your credit reports has to follow certain rules as far as how long it can remain on the report. In most cases credit information will remain on your credit files
for no longer than seven years from the account’s Date of Last Activity or “DLA.” Your DLA will continue to update each month so long as the account remains open. So, an open account will never reach the seven-year
mark because each month your DLA updates to the current month. However, once you close the account your DLA will cease to update and the clock begins ticking. Eventually the account will be removed permanently
from your credit reports.
Why is this a bad thing? The answer to this one is very simple. It’s all about your impressive past. Here’s an analogy that might make this easier to understand. Let’s say hypothetically that you made straight A’s in high
school. What if the record of that perfect scholastic accomplishment were permanently deleted seven years after you graduated? Would you ever want that history deleted? Of course you wouldn’t. This also applies in the
credit reporting environment. If you have a perfect record of making your payments on time then this significantly helps your credit scores so why would you ever want that history to disappear? You wouldn’t.

What should you do with old credit cards that you don’t use any longer? The problem with inactive credit cards is that you are not generating any revenue for the credit card company. Eventually they will proactively
close the unused account because you are a liability, not an asset. Prevent this from happening by using the card once every few months for dinner or a low dollar item like socks or a new belt. Once the bill comes, pay it
in full. Doing this will ensure that the account will never be closed and you’ll always get credit for your good payment history.

You will hurt your “utilization” measurements – This is significantly more important than your closed accounts eventually falling off your credit reports. Revolving Utilization is the amount of your revolving credit card
limits that you are currently making use of. For example, if you have an open credit card with a $2,000 credit limit and a $1,000 balance then you are 50% “utilized” on that account because you’re using half of the
credit limit. This measurement is almost as important to your credit scores as making your payments on time. If you had a second open, but unused, credit card with a $2000 credit limit and a $0 balance then your
aggregate revolving utilization is 25% because you have $4000 in credit limits and $1000 in balances. $1000 divided by $4000 is .25 or 25%.
How will closing an unused credit card hurt your credit score? Let’s say that you closed that second unused credit card from the above example. Once you do so then you remove it from any utilization calculation and
now you’re stuck with one open card with a $2000 credit limit and a $1000 balance. Now your utilization has gone from 25% to 50% (divide $1000 by $2000 and you get .50 or 50%). As this percentage increases, your
credit score decreases.

2. Missing Payments
The reason missing payments is number two on the list instead of number one is that it doesn’t take a credit scoring expert to tell you that missing payments is a bad thing. It’s common sense, unlike Closing Credit Card
Accounts. The explanation why missing payments is a huge mistake is also fairly obvious. Credit scores look at your credit history to see how you have managed your current and past credit obligations in an effort to
predict how likely you are to miss payments in the future. The most powerful “predictor” of future late payments is having missed payments in your past. There are three ways that missing payments will hurt your credit
scores. They are:

How Frequent are Your Late Payments? – If you miss payments frequently then you will be penalized much more severely than someone who misses payments infrequently. Missing payments every once in a
while indicates that you are a responsible consumer but you may have problems with finding the time to make your payments. Or, perhaps the bill was lost in the mail or you were out of town on travel when the bill came
due. The point is that you are not making a habit of missing payments. Don’t start.

How Recent are Your Late Payments? – Since scoring models are designed to predict how you are going to pay your bills in the subsequent 24 months, it’s very common that they assign more value to how you’ve
managed your credit in the most recent two years. If you have late payments that have occurred in the most recent two years then you are more likely to miss more payments in the next two years. As such, your score will
suffer.

How Severe are Your Late Payments? – The severity of your late payment also plays a big part in your credit scores. This not only makes statistical sense but also common sense. Consumers who have missed payments by
only a few weeks and then bring their payments up to date are going to score better than consumers who have payments that are 90 days past due or worse. If you have late payments it is in your best interest to do all that
you can to bring them up to date.

3. Settling With Your Lender on a Past due Account

“Settling” is a term used in the consumer credit industry that means accepting less than the amount you owe on an account. For example, if you owe a credit card company $10,000 but you can’t pay them the full
amount then they will likely make you a deal for less than that full amount. They have “settled” for less than the full amount, which is likely much less than you contractually owe them. This may seem like a good idea
because you are happy that you didn’t have to pay the full amount. However, the lender will report that remaining amount to the credit bureaus as a negative item. This remaining amount is called the “deficiency
balance”. A deficiency balance is considered just as negatively by credit scoring models as any other severe late payments. If you can arrange a deal with your lender so that they will NOT report the deficiency balance
then that will be your best course of action. If they will not agree to this then you have to figure out a way to pay them in full or your credit will suffer for 7 years.

4. Over Utilization of Your Available Credit Card Limits

Having high balances on your credit cards will undoubtedly cause your credit scores to go down, and in most cases, in a big way. The mistake you are making is called “over utilization.” Over utilization is the practice of
running up balances too close to your credit card limits. For example, if you have a Visa card with a credit limit of $10,000 and a $5,000 balance you have a utilization percentage of 50% because you are using 50% of
your credit limit. The higher that percentage the fewer points you will earn for your credit scores. If your balance is $9,500 then you will be 95% utilized and in big trouble. Your best bet would be to use your cards
sparingly and pay them down as much as possible each month. If paying your cards off every month is unrealistic then try your best to keep that percentage as low as possible. There is no magic target to shoot at, but it’s
safe to say that the lower the percentage the better.

5. Excessively Shopping for Credit
Every time you fill out a credit application you are giving the lender permission to access your credit reports. When they access your credit reports they automatically post what is called an “inquiry”. The inquiry is a
record of who pulled your credit report and on what date. Federal law requires that the lender post the inquiry. It also requires that the inquiry remain on the report for 24 months.
Inquiries are used by credit scoring models to determine whether or not someone is shopping for credit. It is a statistical fact that consumers who have more inquiries are higher credit risks than consumers with fewer
inquiries. As such, the more inquiries you have the more points you will lose in your credit scores. While the exact point value is a closely guarded secret by the credit scoring companies you should assume that your
scores would suffer if you have an excessive amount of inquiries.
Probably the most troublesome byproduct of holiday shopping is the collection of inquiries that consumers end up with. Think about this scene: you go to the mall to go shopping and are enticed by offers of “10% off
today’s purchase” in exchange for applying for a store credit card. This sounds like a great idea because you are saving a few bucks on your purchases. But if you look at the big picture you will see that this is a horrible
idea with dire consequences. If those excessive inquiries cost your credit score 10, 20 or 30 points you could expect to pay higher interest rates on either a future home or car loan. Either way, the thousands of additional
dollars that you will spend in interest far outweigh the $20 you saved at the mall.
Think twice about applying for a store card simply to save a few dollars. It’s a better idea to pay for the product with cash, a check or a credit card you already have.

6. Thinking that all Credit Scores are the Same

Credit Scoring is already a confusing enough topic to understand. Add to the mix that there are as many different types of credit scores as there are soft drinks and it gets really confusing. The most commonly used credit
score is a credit risk score. A credit risk score is designed to assist lenders by predicting whether or not a consumer will pay their bills on time in the future. The most common credit risk score is designed and developed by
a company called Fair Isaac Corporation. This Minneapolis based company builds the industry standard “FICO” score. FICO is an acronym for Fair Isaac Corporation. The vast majority of lenders use their scoring models
as part of their standard lending procedures.
There are many different places where consumers can purchase their credit reports and credit scores however not all of the scores being sold are, in fact, the authentic FICO score. On the surface this might not seem like
a big deal but it certainly can be. For example, if you are in the market for a new car and you purchase a credit score from a web site that no lender uses then you are really no better prepared to go car shopping. If,
however, you purchase the authentic FICO scores then you will have the same exact score that the car dealers will eventually see when they run your application for credit. This can be incredibly empowering for the
shopper because you’ll know what your credit situation is before the dealer does. Given that there is a general distrust of car dealerships this will ensure a fair negotiation process when it comes to dealer financing. It will
be more difficult to be taken advantage of by an unscrupulous dealership.
When you are shopping online for your credit reports and credit scores be sure that the score you are buying is branded as the authentic FICO® Credit Score. These can be purchased through various reputable web sites
such as www.myfico.com and www.equifax.com.

7. Thinking that all Credit Scores Predict the Same Thing
Adding to the confusion in number six above is the fact that there are models that predict other things than general credit risk. Scoring models can be built to predict almost anything including:

Insurance Risk – That’s right. Insurance companies use credit scoring models to predict whether or not you are likely to file an auto or homeowner’s insurance claim. A poor insurance score will mean that you will pay
higher premiums or be declined coverage outright.

Response Rates – Raise your hand if you receive pre-approved offers of credit in the mail everyday. There is an incredible amount of science behind those offers and why you get them. It’s not random. You have been
selected from hundreds of millions of other consumers to receive that offer because you have a “Response Score” that indicates you are more likely to respond to that offer than someone else who didn’t get it.

Revenue Potential – Credit card companies also use revenue scoring models to predict whether or not you will use their credit card and, therefore, generate revenue for them.

Collect Ability – For those of you who have collections on your credit reports you can feel certain that the collection agencies assigned to collect those past due debts are also scoring you to determine whether or not
you are likely to repay your collections.

Bankruptcy Potential – Bankruptcy scores predict the likelihood that you will file for personal bankruptcy. You can assume that if you have a poor bankruptcy score that your credit applications will likely be declined.

Attrition Potential – These scores predict whether or not you will stop using one card in lieu of another. This is called attrition and it is considered the cancer of the credit card industry. If you have a score that
indicates that you are likely to attrite and start using another lender’s credit card then you should expect to begin receiving special bonus offers as an effort by your current credit card company to dissuade you from
moving on to another card.

Fraud Potential – Amazingly sophisticated, these models actually can predict whether or not a purchase you are trying to make with a credit card is fraudulent or not. What’s even more amazing is that it takes about 2
minutes to complete your check out at a store and in this short amount of time you have been scored to see whether or not the retailer will accept your credit card.

8. Not Understanding Your Rights Under The Fair Credit Reporting Act

This act, commonly referred to as the “FCRA”, is a list of the rules and regulations that govern lenders and the credit reporting agencies. You should become familiar with your rights under this act which can be accessed
at no cost at the Federal Trade Commissions web site. The address is www.ftc.gov. Some highlights are:

Permissible Purpose – There are only eight legal reasons why your credit reports can be accessed. These are called “Permissible Purposes.” Some of the more obvious reasons are:
Consumer Disclosure – If you ask for a copy of your own credit report then this is a permissible purpose.
As Part of a Legitimate Business Transaction – If you fill out an application for credit then this gives the lender permissible purpose to pull your credit reports.
Your Right to Dispute Your Credit Information – Every consumer in the U.S who has a credit report also has the right to dispute the information in that report if they feel it is incorrect, outdated or unverifiable. The FCRA
lays out the process and requirements on how to file a dispute and what kind of turnaround time your lenders and the credit reporting agencies have to complete their investigation.

Your Right to a Free Copy of all Three of Your Credit Reports – Recently the FCRA was amended by an act called FACTA also known as the Fair and Accurate Credit Transactions Act. FACTA calls for national disclosure
of credit reports for free. By September 2005 every person in the U.S can get a free copy of his or her three credit reports. Requesting your free copies if very easy. Go to www.annualcreditreport.com to verify your
eligibility.

9. Not Knowing that you Have Three Credit Reports and Three Credit Scores

Most consumers understand that they have a credit report. However, most consumers do not know that they have three credit reports compiled and maintained by three separate and competing companies called “Credit
Reporting Agencies.” These companies are essentially warehouses that store your credit history and sell it to lenders who want to grant you credit. These companies are:
Equifax – Equifax (NYSE: EFX) is based in Georgia. Their web address is www.equifax.com
Experian – Experian is a division of an English based company called GUS (Great Universal Stores). Several years ago Experian purchased the credit database that was formerly known as TRW Credit Services. Their web
address is www.experian.com and they have U.S corporate offices in California.
TransUnion – Based in Illinois, TransUnion is privately held. Their web address is www.transunion.com.
Each of these companies maintains credit files on over 250,000,000 consumers, which they sell to lenders. They do not share credit information with each other since they are competitors. As such, you will likely have a
unique credit report and credit score at each of these companies. Do not assume that your credit reports and scores are all the same.

10. Not Having Credit (or a Credit Score)

That’s right. Not using credit is a huge mistake. The way the credit system in this country works is that it rewards consumers who manage credit responsibly. The reward is in the form of easy access to inexpensive loans.
However, choosing to not use credit will prevent you from building a solid credit history and score and will subsequently make it very difficult to secure home or auto loans when the time comes.
Secondly, not having a credit history will result in you not having a credit score. Credit scoring models depend on your previous credit history from which to generate a score. Not having a credit score will make it more
difficult to apply for and obtain credit because most lenders use automated systems in order to process your applications. A lack of a credit score will make it more difficult for lenders to process your applications. Some
will simply chose to decline your applications rather than manually process them.
Six Smart Credit Card Strategies
BY KNOWLEDGEFINANCIAL.COM

While credit cards are sometimes portrayed as a necessary evil, they also provide a lot of benefits. The key is to know how to use them to your advantage and not to get caught up in the traps that lurk behind the benefits.
Here are six ways to use credit cards to your advantage:

Borrow Cheaply: Interest rates are creeping up on all types of loans, but those introductory low-rate credit offers just keep coming. My mailbox is flooded with offers like these:
0% for six months!
3.99% for the life of the transferred balance!
0% financing for one full year with a major home improvement purchase!
Some consumers successfully use these low-rate offers to consolidate debt, pay college tuition, or even to pay off more expensive home equity lines of credit.
Of course, you have to watch out for the traps, which include fees of as much as 4% on a balance transfer, and rates that skyrocket if you make a payment even one hour late. Also keep in mind that maxing out a credit
card can lower your score, resulting in higher rates on other credit card balances you carry. So tread carefully, but take a lower rate when you can.

Play the Float: Banks and insurance companies play the float all the time, investing the money you pay for premiums or park in a savings account at 0% interest. If you can put your money to better use elsewhere (a high
yield savings account would be one option), you will come out ahead.

You can do that by playing the float yourself, and a credit card is the perfect way to do it. Charge a high-ticket item on your credit card and pay it in full when the bill is due. Time it right and you could get nearly two
month’s interest free. Find out when your credit card issuer’s billing cycle closes (call customer service or check your previous statements) and then make your purchase right after that date. The charge won’t appear until
next month’s bill, and depending upon the length of the grace period, you might luck out with a good healthy float.

This strategy does not typically work if you are carrying a balance on your credit card. Virtually all credit cards use the average daily balance method including new purchases to calculate interest. That means you don’t
get a free ride on new purchases if you start the billing period with a balance. The exception is One by American Express, which gives you the choice to pay off a purchase or revolve it. It also features a savings rebate
deposited into a high-yield savings account.
Another way to play the float is to take advantage of interest-free financing. Let’s say you buy a $3,000 flat screen television with 0% financing. If you park that $3K in your high-yield savings account at 4.5%, you’ll have
$135 at the end of the year. Watch those monthly payment and final payment due dates carefully, though. If you slip up, you will get hit with a hefty finance charge – probably all the way back to day one.

Rack Up Rewards: If you want travel rewards, free movie passes, or even cold hard cash, just pull out the plastic. There are rewards to suit just about every interest. The challenge becomes picking one! If you carry a
balance, understand that the interest rate may be higher than what you can get elsewhere. And watch out for strings attached to the rewards, such as minimum purchase requirements, blackout dates for travel, or caps on
the amount you can earn.
Once you’ve found a card you like, you may find yourself using it for all your purchases. That can be rewarding – and addictive -- so make sure you don’t overspend just to earn rewards.

Shop Safely: Credit card purchases are backed with the protection of federal law. Under the federal Fair Credit Billing Act, you have the right to dispute a charge if you make the purchase using a credit card and the
merchandise you order is not delivered, or if it is not delivered as agreed (wrong color, wrong item, for example) or even if it was not delivered as promised (the flowers guaranteed for delivery on Valentine’s Day show up
two days later).

To dispute a billing error on your credit card, you must follow the rules, though. Picking up the phone to complain is not enough! Here’s what to do:
Write to the credit card issuer at the address for "billing inquiries," not the address for sending your payments (the address for billing inquiries is often found on the back of your most recent monthly statement); include
your name, address, account number, and a description of the billing error.
Send your letter so that it reaches the credit card issuer within 60 days after the first bill containing the error was mailed to you.
Send your letter by certified mail, return receipt requested, so you have proof of what the credit card issuer received. Include copies (not originals) of sales slips or other documents that support your position. Keep a copy
of your dispute letter.

When you do, the credit card issuer must acknowledge your complaint in writing within 30 days after receiving it, unless the problem has already been resolved. And the credit card issuer must resolve the dispute within
two billing cycles (but not more than 90 days) after receiving your letter.

Here’s the best part: While the item is officially under dispute, you can withhold payment on it. But you must pay any amount not under dispute and/or pay your regular minimum payment. The credit card issuer cannot
take any legal or other action to collect the disputed amount and the related charges (including finance charges) during the dispute.
Debit cards do not carry the same protections, though your debit card issuer may offer assistance in a matter you cannot resolve with a merchant. One more warning: billing error protections don’t offer help in the case of
buyer’s remorse.

In addition to billing disputes, you also have the protection of federal law if your credit card is lost or stolen and used by a thief. Your maximum liability for unauthorized charges is $50, and most card companies won’t
even require you pay that amount. Technically there is no time limit for disputing unauthorized charges, but the sooner you do so, the easier it will be to resolve the matter.

Unauthorized use, by the way, doesn’t typically cover an unauthorized purchase by someone you lent the card to. When I was in high school, my mom once lent me her card to buy a dress, and I walked out with a dress,
plus shoes, earrings and a purse – and a bill for $350. Unfortunately for Mom, she couldn´t dispute the charge. Caveat emptor.

Build Your Empire: Spike Lee is just one of many people who have followed his dreams and started his own businesses using credit cards. Plastic is usually a lot easier to get than a bank loan, especially for a start-up
venture. But that easy credit has its downside. With a large line of credit on your Visa or MasterCard, you may be tempted to spend money on things not essential to your business. (Do you really need four-color letterhead
and the latest computer?) If finances charges rack up faster than revenues, you’ll soon be in trouble.
The better strategy is to start your business on the cheap, and use credit cards only as needed. When you do use plastic, choose a business credit card reported in the name of your business rather than on your personal
credit. You’ll protect your credit rating from the additional debt and you will be setting up your venture as a serious entity rather than a side hobby.

Save at the Car Rental Counter: Your $10 a day car rental can easily mushroom into $30 a day if you buy the “protection” coverage the rental car company will try to sell you at the counter. The “Collision Damage
Waiver” is technically not insurance, but it works like insurance in that it covers you if the vehicle you rent is damaged.

The good news is that between your own car rental coverage and a CDW waiver benefit on your credit card, you may be able to turn down that pricey policy. Check with your own auto insurance company first to see
whether your coverage extends to rental cars and what the gaps may be. Then check with your credit cards to find out which ones offer free CDW coverage. Many will, and while that coverage is secondary to any
insurance you have, it will likely pick up deductibles that aren’t covered by your auto insurance. You must use the card that offers the coverage when you rent the car, so make sure you carry that card with you when you
travel.
KNOWLEDGEFINANCIAL.COM
Credit cards: Have a questions about credit cards? We have answers the top ten
most frequently asked credit card questions. Read our answers below.
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By 2005 there were 1.5 billions credit cards in circulation in the U.S.
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Among the U.S. Industries, none draws higher profits than the credit
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I believe credit cards should be used to borrow money to us making money. And I believe
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Advice from Knowledge Financial Group
Cash advance on credit cards is one of the most expensive loans you can get. It’s important
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Business structures 101. LLP, LLC, S-corp and C-corp: It's not just alphabet soup! A breakdown of
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FINANCIAL KNOWLEDGE: The Successful Investment Journey, Ten Tips For The Successful Long-
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SAVING MONEY: THE SECRETS OF SAVING; WAYS TO SAVE A LOT OF MONEY AND GETTING
RICHER. 66 WAYS TO SAVE MONEY

BUILDING WEALTH! How to Become Wealthy? Nine Truths That Can Set You on the Path to
Financial Freedom.
Becoming Wealthy One Bite at a Time! 7 Rules of Wealth Building, Practical Keys to Amassing
Investment Capital

UNCLAIMED MONEY, UNCLAIMED PROPERTY, THE FORGOTTEN TREASURE SEATING IN THE
HANDS OF THE STATES GOVERNMENT
COULD BE YOURS OR TO SOMEONE YOU MAY KNOW!
Billions of dollars have been lost. Could some of it be yours?  Yes the government may owed you
money; you may not even know about it.

FINANCIAL FREEDOM: A SMARTEST WAY TO PREPARE A BETTER FUTURE IS TO PLAN TODAY
TO OBTAIN A COMPLETE FINANCIAL FREEDOM.
Ten Resolutions to Make Your Financial Life Easier

WHY YOU AREN’T RICH?
Many people assume they aren't rich because they don't earn enough money. If I only earned a little
more, I could save and invest better, they say, they don’t have a good education, they say they have
too much responsibilities; Excuses, Excuses, Excuses. THIS IS WHY!

INSURANCE: WAYS TO MAKE MONEY & SAVE MONEY ON YOUR INSURANCE.  THE
IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Homeowners' Insurance: What You Need to Know. Auto Insurance, Life Insurance

Will & Living trust
What is a will and what is living trust? How does a living trust avoid probate?

Auto Loans: Great Car, Great Price…. But what about the Financing? Explore your financing options!
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Auto dealers have a long history of using questionable sales tactics to bilk consumers in the market
for a new car. Many people keep their eye on the sale price and neglect scams involving vehicle
financing, which can add thousands of dollars to the price of a car.

Money Management: 10 Ways to Avoid Overdraft and Bounced Check Fees! Three Ways to Put Your
Budget On on Auto Pilot! The Low Tech Way to Budget Your Money

FREE CREDIT REPORT CAN HELP YOU FIND OUT WHAT'S GOOD OR WHAT'S BAD AND ALSO
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CREDIT INFO: SAVE YOUR CREDIT, RESCUE IT, PROTECT IT, INCREASE YOUR SCORE. WE
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IDENTITY THEFT: HOW TO PROTECT AND DEFEND YOURSELF AGAINST IDENTITY THEFT?    
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DEFEND YOURSELF AGAINST IDENTITY THEFT; LEARN THE IMPORTANT METHODS AND
TECHNIQUES TO RECOVER FROM ID THEFT!
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..RULE OF 72: The compound interest and financial success.  Rule Of 72 is the
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Discover® Card
Discover Bank Introduces the Discover®
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HSBC Bank
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First PREMIER® Bank
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First PREMIER® Bank
First PREMIER® Bank offers secured and unsecured fee based credit cards.

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The MasterCard, along with the Visa Card, are the most widely accepted credit
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Best Credit Cards, Comparisons and Reviews -
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TRANSMERCHANT1 a Merchant
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Credit Card Processing Merchant
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