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Credit : Business & Finance
Can the IRS Seize Life Insurance Benefits?
The vulnerability of life insurance benefits to the Internal Revenue Service depends on the nature of the debt, and who holds it. Generally, the law exempts life insurance death benefits from attachment by the creditors of the deceased. If someone died owing money to the IRS, they IRS cannot interce
Credit Card Interest Calculations
The interest on your credit card balance, often referred to as your finance charge, is based on the amount you owe and your interest rate. If you know how to calculate the interest, you can calculate how much it will cost you to borrow money with your credit card.
What Is Secure Credit?
Secured credit is a specific type of loan. A loan is a contract entered into with a bank or financial institution in which you receive money and in return, promise to repay the money, plus interest, according to a specific payment schedule.
Get To Know How You Can Impress Your Customers In 3 Simple Ways
In any kind of business, customer satisfaction is paramount. This is the weapon, which can either make you succeed or fail in your business. It does not involve a single activity but several which you ...
Free Copy of My Credit Report - How to Get Your Report Without Paying a Dime
Many people today are asking themselves the same question: where can I get a free copy of my credit report? Can anybody get one, or do you have to meet certain criteria?
Penalties On Unpaid Credit Card Balances
Credit card companies extend credit on the good faith assumption that you will repay what you owe. If you've defaulted on your credit cards, regardless of the reason, you still have a legal obligation to your debts. If you have unpaid credit card balances, you may be subject to a number...
How to Renegotiate a Credit Card
It is possible to renegotiate the terms of a credit card. Most consumers choose to renegotiate their terms to reduce their payments, rates, and fees. If you have good credit, credit card companies compete fiercely for your business and are usually open to negotiations. There are certain steps you mu
Credit Card Debt Relief Act 2010 - How To Take Advantage Of New Debt Relief Laws
The new debt relief laws of the credit card debt relief act 2010 have altered this field so much making it advantageous for all consumers. It has made the settlement methods legitimate. As a result it is a very popular solution for debts.
Best Airline Mile Credit Cards Deals
For those who travel often by air, getting the best airline credit cards may be a long term solution in terms of saving and accumulating frequent flyer mile points. By availing of a credit card that also considers miles and rewards points, you are taking advantage of an opportunity to purchase and g
Business Credit Card Rewards - What the Credit Companies Don't Want You to Know
One of the benefits of having a business credit card is the myriad of rewards programs offered by credit companies. A rewards program is an incentive to use your card, although there are a few things to think about before applying for one. First, is your company going to pay off the credit balance i
Fair Credit Reporting Act Report Card
While the FCRA has made a positive impact on the credit reporting system, there are still a number of fundamental flaws in how your credit reports are constructed and how your credit scores are calculated. These flaws result in an unfair credit system that more often than not, punishes the consumer
Credit Cards - A Good Servant But a Bad Master
Most of us use credit cards on a regular basis to manage our day to day expenses. Here are some proven principles to keep in mind when using the plastic.
How to Reject Credit Card Terms
Banks and financial institutions can make changes to the credit card services they offer. However, consumers have rights around the changes. Typically, the bank must notify you if it intends to make changes that impact fees or the interest rate. It is important to understand your current fees and se
A Credit Card For All Your Business Needs
Credit cards are not just for personal and individual use. There are credit cards for business convenience, purposes and purchases, like that emergency overseas business trip you just have to take, or all the business supplies that just have to be replenished before the end of the day. In instances
Three Benefits of a Student Credit Card
A student credit card is a highly valuable and helpful commodity, and there is a surprising amount of choice available. If you're looking at obtaining a credit card aimed at students then it will be important to be aware of exactly what is on offer, the advantages and opportunities available, a
End of the Month is Money Cutting Day
Credit card is the most commonly used way of payment nowadays. But since it becomes easy for us to just charge our expenses, we tend to over-spend. In this article, I would share with you how I manage
Instant Credit Cards For People With Bad Credit
Applying for an instant approval credit card is a great way to be sure you have been accepted for a credit card. This means that those with bad credit don't have to suffer through the agony of waiting for approval or rejection!
101 Ways You Can Get More Money to Pay Off Debt
Funding your debt plan might be hard if you depend on your current income. Here are some ways you can come up with extra money to get out of debt.
How to Repair Credit Fast
Nowadays, people are living in what they call as a cashless society. Most transactions are being done through a credit system.That is why it is very important to have a good credit rating in order to avail of the benefits of having a good credit record. People realize this only when they have been d