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Bankruptcy
Law Passes House
Bankruptcy
change legislation passed Congress last week in a 302 to 126 vote and has been signed into law by President Bush.
The changes introduced by this bill are tough on consumers and good
for banks. Banks are having their cake and eating it too, as the
hackneyed-cliché goes.
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How
Do You Get that Loan Formula?
Scott,
I read with interest your article, Amortized Loans. At the
end of the article you indicate the explanation of how to derive the
formulae as being covered in another article. Can you please
tell me where I can find this? Thank you very much, Luke
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They
Raised My Rate
Scott,
I called the card issuer last week for some routine issues, and
happened to ask what my rate was. It was raised to Prime + 4! The
operator said they sent me a notification letter last year, but
couldn't tell me why the rate had changed. Any suggestions?--Dean
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0%
forever transfer deal--is it for real?
Scott:I
received an offer from Discover for a no fee, balance transfer with
0% APR for life of the unpaid balance, as long as I make a purchase
each month after July 2005. Is there a catch here? Thanks for all
your help. Sincerely, Mark
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Cash
Advance Suicide
Scott,
I have three cards currently all intro 0% wondering if I made a cash
advance of say $1,000.00 then immediately took advantage of 0%
balance transfer would I still be liable for the 24.99% advance rate
as well as the fee even though account was paid off the same day or
at least within billing cycle? Matt
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Beautiful
offer made by CapitalOne to my wife
Dear
Mr. Biker, I would like your advice on this "fantastic"
offered made to her by the CapitalOne mentioned above and make sure
that they aren't trying to "cheat her out of our hard earned
money. Please help me enlighten and educate my wife regarding credit
cards. Regards, Oscar
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How
banks use low rate offers to lock in high rates
Scott,
I have used the lower interest rate checks from my credit card
company to transfer debt. I noticed on my statement that the
balances on the original rate and the new rate are not getting paid
down proportionately. Can I get the company to apply my payment my
way? Is the use of these checks a benefit or a curse? --Mary
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Stealing
from people of faith
Click-click-clicking
through the channels...hmmm, what’s on TV tonight? Look at this,
B.E.T. is running a show about God with Pastor Robert Tilton. He is a
fairly convincing speaker like many of his televangelist cohorts, but
what’s his message? You may think it is the same message as the
majority of these charismatic "shepherds" however, this
guy caught my attention when he said to call for his free booklet
titled, "How to Pay Your Bills Supernaturally."
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5 Ways to Avoid Holiday Debt
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Video article with tips to save this holiday season. Includes usage
for free shareware
in MS Excel.
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