usloansguide

Investment is a word which is more familiar in corporate as well as in common man world. Investing or Investment is an idiom with numerous closely-related meanings in business administration, economics and finance, interrelated to saving or deferring utilization.

Investment is a choice of every individual who risks his/her hard earned money saved in the hope to gain maximum worth of the capital input. Gain of more to make life better and better in times ahead is what make the investment more desirable and choice able by every individual.
Rather than to save the money or store the good worth of it, the investor decide to lend that money in exchange of interests or consumer goods or for a share of profits so that it can create durable goods or high amount of money. Read more...

Advice

     These articles offer some basic advice about investing, primarily for beginning investors.
    • Beginning Investors
     • Buying a Car at a Reasonable Price
     • Errors in Investing
     • Using a Full-Service Broker
     • Mutual-Fund Expenses
     • One-Line Wisdom
     • Paying for Investment Advice
     • Researching a Company
     • Target Stock Prices                         Read more...

Complaints involving credit cards

If you have a problem involving your credit card, first try to resolve it directly with the store or the credit card company. If that doesn’t work, you may want to file a complaint with your state’s attorney general or banking agency. You may also file a complaint with the federal agency responsible for enforcing consumer credit laws for your credit card company.

Credit cards issued by state banks that are members of the Federal Reserve System
Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480
888-851-1920 (Phone)
877-766-8533 (TTY)
877-888-2520 (Fax)
Email: ConsumerHelp@FederalReserve.gov
www.FederalReserveConsumerHelp.gov

Credit cards issued by banks with “national” in the name or “N.A.” after the name
Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010
1 (800) 613-6743 (toll-free)
www.occ.treas.gov

Credit cards issued by state banks that are not members of the Federal Reserve System
Federal Deposit Insurance Corporation
Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, MO 64108
1 (877) 275-3342 (toll-free)
www.fdic.gov

Credit cards issued by federal savings and loan associations and federal savings banks
Office of Thrift Supervision
Consumer Programs
1700 G Street, NW, 6th Floor
Washington, DC 20552
1 (800) 842-6929 (toll-free)
www.ots.treas.gov

Credit cards associated with federal credit unions
National Credit Union Administration
Office of Public and Congressional Affairs
1775 Duke Street
Alexandria, VA 22314-3428
1 (800) 755-1030 (toll free)
(703) 518-6409 (Fax)
www.ncua.gov

Credit cards issued by finance companies or stores, and matters related to auto dealers, mortgage companies, and credit bureaus
Federal Trade Commission
Consumer Response Center - 240
600 Pennsylvania Avenue, NW
Washington, DC 20580
1 (877)-FTC-HELP (1-877-382-4357) (toll-free)
www.ftc.gov

Checklist for comparing credit cards

Think about how you will use your credit card. Do you expect to
Pay your montly bill in full?
Carry over a balance from month to month?
Get cash advances?

Once you have decided how you will use your credit card, you can use this checklist to compare cards. Information about most of the features is given in the disclosure box that must appear in all printed credit card solicitations and applications.

Feature	Card A	Card B	Card C
What are the APRs? For purchases?	___________	___________	___________
For cash advances?	___________	___________	___________
For balance transfers?	___________	___________	___________
If you pay late?	___________	___________	___________
What type of interest does the card have? Fixed or variable? Tiered?	___________	___________	___________
How long is the grace period? If you carry over a balance?	___________	___________	___________
If you pay off the balance each month?	___________	___________	___________
For cash advances?	___________	___________	___________
How is the finance charge calculated? One cycle or two?	___________	___________	___________
Including or excluding new purchases?	___________	___________	___________
Average or adjusted?	___________	___________	___________
Minimum finance charge?	___________	___________	___________
What are the fees? Annual	___________	___________	___________
Late-payment	___________	___________	___________
Over-the-credit-limit	___________	___________	___________
Set-up	___________	___________	___________
What are the cash advance features? Transaction fees	___________	___________	___________
Limits	___________	___________	___________
How much is the credit limit?	___________	___________	___________
What kind of card is it? Secured? Regular? Premium?	___________	___________	___________
Does the card offer other features? Rebates	___________	___________	___________
Frequent flier miles	___________	___________	___________
Insurance	___________	___________	___________
Other	___________	___________	___________

Survey of Credit Card Plans

Every six months the Federal Reserve System surveys the terms of credit card plans offered by financial institutions and publishes a report of the findings. The report includes information from the largest credit card issuers in the country as well as other financial institutions that wish to participate in the survey. The credit terms shown in the accompanying list are as of July 31, 2008, and are subject to change. You should contact issuers for current rates and to learn about other credit card plans.

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