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Many credit card companies use the term low APR to promote their credit card offers. But how do you know if the card you are applying for is really a low">http://www.easy-approval-credit-cards.com">low APR credit card? To determine whether this is accurate or not, you're going to have to look at the fine print of these claims. Of course there are a lot of reputable and honest credit card offers available as well. We recommend www.easy-approval-credit-cards.com">http://www.easy-approval-credit-cards.com">www.easy-approval-credit-cards.com as an excellent source for dependable credit card offers. Here is some basic interest rate information to help you determine if those "low APR rate credit cards" are really "high interest rate credit rip-offs." Keep in mind that interest rates are variable. Credit card rates are set by adding a spread, or margin, to a base rate. Your base rate is often a widely used index rate, which is almost always a rate that changes periodically, without warning and for no reason. The spread that is added to calculate your rate depends on your credit history. If you pay your bills consistently and on time, the spread may be as few as 2 or 3 percentage points. If your credit history reveals that you make late payments, or have too much debt, the spread may be 5 or 6 percentage points or more. The advertised rate on a credit card is often the card's simple interest rate. The effective interest rate, however, is your true cost of borrowing and includes annual fees you pay to use the card. The compounded interest rate is a better barometer of your effective interest rate. For example, if your card has a rate of 12%, your monthly rate would be 1%. Because credit card interest is compounded monthly, the effective annual interest rate on a 12% simple-rate card is 12.68%. By doing a little research, you could save yourself a lot of money in interest in the long run. ------------------------- About The Author
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Observing the zeitgeist causes one to wonder what the future holds, especially since the American people continue to lose faith in the fundamental underpinnings of our nation. America is suffering from a serious trust deficit. Now, there has been the ...
Read moreIn troubled times, let faith overcome fear and greed - Detroit News
The most optimistic observers say recovery from the current financial crisis will take years. That's something that senior citizens don't have. Reporter Keith T. Reed gave a glimpse into the special pressures retirees are facing in his front-page ...
Read moreHelping seniors weather the storm - Cincinnati.com
As the big banks get bigger, it may be time for savers to shop around. Citigroup Inc.'s decision earlier this week to gobble up most of ailing Wachovia Corp. is the latest in a string of blockbuster acquisitions that have transformed the banking ...
Read moreAs Big Banks Converge, Depositors Find Deals At Smaller Institutions - Wall Street Journal
In a photo provided by the Palin family, Akaska Gov. Sarah Palin, left, and her husband, Todd Palin,... In a photo provided by the Palin family, Akaska Gov. Sarah Palin, left, and her husband, Todd Palin, pause from commercial fishing in Dillingham ...
Read moreEstimates Show Palin Assets Top $1 Million - ABC News
WASILLA,Alaska - Sarah Palin and her husband have pieced together a uniquely Alaskan income that reached comfortably into six figures even before she became governor, capitalizing on valuable fishing rights, a series of land deals and a patchwork of ...
Read morePalins are worth over $1 million - Newsday
With suspense building toward a dramatic vote expected Friday, Silicon Valley tech companies, business groups and non-profits joined a broad coalition to ratchet up pressure on a recalcitrant House of Representatives to reverse course on an emergency ...
Read moreSilicon Valley tech companies, business groups push for bailout bill - Silicon Valley
Oct. 2 (Bloomberg) -- Marc Leder and Rodger Krouse had had enough of the corporate world. It was 1995, and after a decade of arranging mergers and acquisitions at Lehman Brothers Holdings Inc. in New York, the old college friends decided to strike ...
Read moreBlackstone, Apollo Outshone as Sun Capital Buys Boston Market - Bloomberg
WASILLA, Alaska (AP) _ Sarah Palin and her husband have pieced together a uniquely Alaskan income that reached comfortably into six figures even before she became governor, capitalizing on valuable fishing rights, a series of land deals and a ...
Read morePalins look to land and sea to build wealth; estimates show assets ... - Chicago Tribune
A new credit card balance transfer war is predicted to start, with firms dropping their fees to entice customers to 0% deals. Zero per cent transfer deals have long been popular with consumers, but in the last few years as firms started to make ...
Read moreCredit car balance transfer fee war hots up - MyFinances.co.uk
Back in 2000, when the office market was hot, companies weren't just scrambling for office space. They were scrambling for parking spaces, too. "The lack of parking was killing a lot of deals," said Ross Moore, research director at the real-estate ...
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