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You can significantly reduce your paper clutter — and save your sanity — when you understand which papers to preserve, and which you can toss. Use this handy guide to determine how long to keep certain documents.
According to a study done by a psychology professor at the University of Scranton, John Norcross, people who make New Year’s resolutions are 10 times more likely to accomplish the changes they want than those who don’t formally resolve. So even though only one in five people manage to keep their New Year’s resolutions, those who at least make them are on the right track to eventually accomplish lasting changes.
Until there is more transparency in credit scoring, and until consumers take better control of their credit use, it doesn’t matter how many laws are enacted: The game is going to be rigged in favor of the credit card issuers.
This new Credit CARD Act of 2009 is designed to enable the consumers get back the control of their credit card debt and stop the credit card companies from engaging in abusive tactics that have become rampant. Find out how the new credit card bill will affect you as a consumer.
photo credit: orphanjones
Advanta’s uncollectible debt reached 20% as of March 31 prompting the small business credit card issuer to shutdown new lending as of June 10th to preserve capital. Advanta is offering 65 to 75 cents on the dollar to its securitized debt holders.
The shutdown in credit by Advanta will affect as much as [...]