Has Your Horoscope Changed?

16-01-2011

Fans of the Zodiac have been bombarded with the unsettling news that their astrological sign may not be what they thought.

The horror of switching from Gemini to Taurus had people rushing to the Web for answers, sending searches for “zodiac signs” into the stratosphere.

So has your sign changed? Probably not. But it all depends on what kind of astrology you follow. Let us explain.

It may come as a surprise that there are different branches of astrology. A main Eastern form, for example, called Sidereal astrology, looks to the background stars, those famous constellations, as its guide.

Western astrology — which uses the zodiac — has its signs fixed to the seasons. Read full post…

Credit Card APR

14-01-2011

Tagged Under : Apr, Credit Card

For most credit card users, the annual percentage rates or (APR) is a fairly large source of confusion and chaos. If you don’t have a credit card, have recently applied for one, are planning on applying for one, or were recently approved for one, then you should read this article very carefully.

So, what is APR? Your APR is your annual percentage rate. Your annual percentage rate is the combination of low interest rates and finance charges on your credit card. With that being said, I will go ahead and answer another question: is there really such a thing as a zero percentage rate and what does it mean?

Say you currently own a credit card and you have used up most of your credit so far. W

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Simple Rules All Debt Collectors Must Follow

13-01-2011

Tagged Under : Debt, Debt Collectors

  Back in the not-so-distant past, a debt collector could use any number of means necessary-short of violence- to obtain overdue funds from a debtor. For those not necessarily trying to avoid paying a bill, the stress due to lack of appropriate funds coupled with a harassing debt collector was undoubtedly overwhelming. 

Times have changed and for the betterment of those facing debt collection. In 1968, The Fair Debt Collections Act (FDCPA) was put into place to stop the harassment to consumers to simply collect a debt. W

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Different Types of Mortgages Products

10-01-2011

Tagged Under : Products

There are several kinds of mortgages:

  • Assured
  • Conventional
  • Floating rate
  • Fixed rate, open or closed

The above main categories cover hundreds, if not thousands of mortgage products available from different lenders. Choosing the right mortgage can be very daunting for the new home buyer. However, below is just a selection of the commonly available mortgage categories available on the market.

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Consumers can Fight Back Against Debt Collectors

08-01-2011

Tagged Under : Debt, Debt Collectors

According to the Buffalo News the U.S. Federal Trade Commission received over 88,000 complaints last year alone about debt collector harassment. The biggest issue with this debt collector harassment is that often the debts are not even owe owed by the consumer. When dealing with debt collectors you need to know your fair debt rights, and if the issue gets out of hand call of fair debt attorney with a number of years of experience who can help you resolve the debt issues. Read full post…