Take Time For that Preapproval Offer on Credit Cards

If you have received a pre-approved charge card deal in the mail make sure you reviewed everything. There are good and poor deals as well as you require to recognize which credit card offer is for you.


* The Annual Percentage Rate (APR). If the interest rate is variable, just how is it established and when can it transform?
* The periodic rate. This is the interest rate used to figure the financing cost on your equilibrium each billing period – www.pnc.com/mycreditcardoffer.
* The annual fee. While some cards have no annual fee, others anticipate you to pay a quantity each year for being a cardholder.
* The moratorium. This is the number of days you have to pay your costs prior to financing fees begin. Without this period, you may have to pay interest from the day you utilize your card or when the purchase is posted to your account.
* The money fees. Many lenders calculate finance costs utilizing an ordinary daily account equilibrium, which is the average of what you owed daily in the invoicing cycle. Seek deals that use a modified balance, which subtracts your monthly settlement from your start equilibrium. This technique normally has the most affordable money fees. Stay away from deals that make use of the previous equilibrium in calculating what you owe; this method has the highest finance fee. Likewise do not forget to inspect if there is a minimum money cost.
* Other charges. Ask about special charges when you obtain a cash advance, make a late payment, or go over your credit line. Some firms bill a month-to-month charge regardless of whether you utilize your card.

The Fair Credit Rating as well as Charge Card Disclosure Act need credit history as well as charge card companies to include this info on credit scores applications. The Federal Get Board gives a cost-free brochure on picking a credit card as well as an overview to credit report defense laws at their web site.

Comparing Cards

* Bank Rate internet site supplies totally free bank card tips and also information.
* Customer Activity internet site has a site that includes charge card surveys of interest rates, charges and various other terms from loads of charge card, in addition to cost-free brochures as well as guides on selecting and making use of credit cards.
* Card Web listings charge card and also provides e-mail e-newsletters, frequently asked questions and also online credit card calculators.
* Card Rankings checklists and also reviews charge card, and also uses tips as well as bank card calculators.

Shed as well as Stolen Credit Score Cards

Right away call the card issuer when you think a credit rating or charge card has actually been shed or taken. Many firms have toll-free numbers and 24-hour solution to manage such emergency situations.

By federal regulation, as soon as you report the loss or theft of a card, you have no more obligation for unauthorized costs. Nevertheless, your optimum obligation under federal law is $50 per card.


To grumble about a problem with your bank card firm, call the business first and try to deal with the problem. If you stop working to settle the concern, ask for the name, address and phone number of its regulatory agency.

If the word nationwide shows up in the name or the letters N.A. appear after the name, the Workplace of the Business manager oversees its procedures.

To whine regarding a credit scores bureau, department store or various other FDIC-insured financial institution, contact the Consumer Response Facility.

Consider These Tips With a Preapproved Credit Card Offer

If you have actually obtained a pre-approved credit card offer in the mail see to it you read every little thing. There are excellent as well as negative deals and also you require to recognize which charge card offer is for you.

Look for:

* The Interest Rate (APR). If the rates of interest varies, exactly how is it determined and when can it alter?
* The periodic rate. This is the rates of interest made use of to figure the finance cost on your balance each invoicing duration.
* The annual charge. While some cards have no annual charge, others anticipate you to pay a quantity every year for being a cardholder.
* The grace period. This is the variety of days you have to pay your expense prior to financing costs begin. Without this period, you may have to pay interest from the date you use your card or when the acquisition is uploaded to your account.
* The money fees. Most lenders determine finance charges making use of an ordinary daily account equilibrium, which is the standard of what you owed each day in the payment cycle. Seek offers that utilize a modified equilibrium, which deducts your regular monthly repayment from your start equilibrium. This technique generally has the most affordable finance costs. Keep away from deals that utilize the previous balance in computing what you owe; this method has the greatest finance charge. Likewise do not fail to remember to inspect if there is a minimum money charge.
* Other costs. Ask about unique charges when you get a cash advance, make a late repayment, or discuss your credit limit. Some firms bill a monthly fee no matter whether you use your card.

The Fair Debt and also Credit Card Disclosure Act call for credit history and credit card providers to include this information on credit rating applications. The Federal Reserve Board provides a complimentary sales brochure on choosing a bank card and also a guide to debt protection regulations at their internet site.

Comparing Cards

* Bank Rate website offers cost-free credit card pointers and information.
* Consumer Action web site has a website that includes charge card studies of rate of interest, charges and other terms from loads of bank card, in addition to cost-free sales brochures as well as guides on selecting and also making use of bank card.
* Card Internet lists charge card as well as uses e-mail newsletters, frequently asked questions as well as online credit card calculators.
* Card Scores checklists and also evaluations bank card, and provides ideas and also bank card calculators.

Lost and Stolen Credit Scores Cards

Immediately call the card provider when you believe a credit rating or credit card has actually been lost or swiped. Many business have toll-free numbers as well as 24-hour solution to deal with such emergencies.

By federal legislation, when you report the loss or burglary of a card, you have no further duty for unapproved costs. In any event, your optimum obligation under government regulation is $50 per card.


To whine regarding an issue with your credit card business, call the business first as well as attempt to settle the trouble. If you fall short to fix the concern, ask for the name, address and also phone number of its regulatory agency.

If words national shows up in the name or the letters N.A. appear after the name, the Workplace of the Comptroller oversees its operations.

To complain concerning a credit bureau, chain store or various other FDIC-insured financial institution, write to the Customer Action Facility.

Be taught to handle cash throughout and after a catastrophe is focus of credit score union workshop |

Pelican State Credit Union is hosting a free virtual workshop on Thursday September 30th that will teach attendees how to manage their money during and after a disaster.

From 7 p.m. the workshop will be streamed on both Zoom and live www.facebook.com/PelicanStateCreditUnion. Participants will have the opportunity to ask questions during the registration process and during the event using Zoom’s Q&A function or the comments section of the Facebook live post.

Topics include disaster-related tips like preparing homes and finances for a natural disaster, rebuilding a home and buying a car after a disaster, and finding additional resources on the way to recovery.

In addition to tips on managing money during and after a disaster, attendees will have their questions answered live by Pelican’s financial outreach team. The workshop will be set up in a “Q&A” format in which participants will have the opportunity to ask questions.

Pelican membership is not required to attend the workshop or ask questions. Register for the event at pelicanstatecu.zoom.us/webinar/register/WN_8eZXDB-fSIWAisfQW08BDw.

Thailand’s Ascend Cash Backed By CP Group Reaches $1.5 Billion Valuation

Tanyapong Thamavaranukupt, Co-President of Ascend Money

Courtesy Ascend Money

Money go up-supported by Charoen Pokphand groupwho is controlled by Thailand’s richest man Dhanin Chearavanont and his family – said Monday they raised $ 150 million from new and existing investors, bringing the valuation to $ 1.5 billion.

In this latest round of financing, US investment firm Bow Wave Capital Management has joined existing investors CP Group and the Ant Group of Alibaba Group, Bangkok-based Ascend Money said in a statement.

“The disruptive effects of the pandemic have accelerated the growth of the digital economy across Southeast Asia,” Itai Lemberger, founder and chief investment officer of Bow Wave Capital Management, said in a statement. “We are proud to support Ascend Money as it pursues its mission to drive financial inclusion for sustainable growth in the region.”

The company plans to use the new funds to grow the user base of its TrueMoney Wallet e-wallet app by expanding into services such as digital lending, digital investing and cross-border money transfers across Southeast Asia.

“The company is expanding the platform and services to improve the accessibility, affordability and impact of financial services.” Suphachai Chearavanont, founder and chairman of Ascend Money, said in a statement. “In short, Ascend Money provides a financial platform with opportunities for the financially marginalized as well as SMEs in the region.”

Supachai – Dhanin’s youngest son – is the CEO of the CP Group. Dhanin and his three brothers get their wealth mainly from the CP Group, one of the world’s largest producers of animal feed and livestock. Her father Chia Ek Chor and his brother Choncharoen Chiaravanont started the business in 1921 as a shop selling seeds imported from China to Thai farmers. Today, CP Group also owns 7-11 stores across Thailand, has a controlling interest in wireless operator True Corp, and owns equity interests in real estate.

BANGKOK, THAILAND – 1998/08/01: Khun Supachai Chearavanont – son of billionaire Dhanin … [+] Chearavanont – founded Ascend Money in 2013.

LightRocket via Getty Images

Dhanin, 82, was Chairman and CEO of CP Group for 48 years until he stepped down in 2017. He and his siblings had net worth of $ 30.2 billion as of the list Thailand’s 50 richest was released in July.

Supachai founded Ascend Money in 2013 as a business unit of the Ascend Group, a spin-off from True Corp., one of Thailand’s leading telecommunications providers. The Ascend Group now operates as a subsidiary of the CP Group.

Ascend Group operates TrueMoney, a digital payments platform that serves more than 50 million users in Thailand, Myanmar, Cambodia, Indonesia, the Philippines and Vietnam. At the height of the pandemic last year, the company processed $ 14 billion in payments.

“Ascend Money is driving the cashless society and adoption of financial services across the region through the TrueMoney Wallet application,” said Tanyapong Thamavaranukupt, co-president of Ascend Money, in a statement. “The company has also expanded its portfolio to include a full range of digital financial services, including digital lending, digital saving and digital investment.”

Georgia public faculties obtain federal cash

But long-term budget problems remain.

ATLANTA – A Federal budget agreement Washington could mean more spending on local schools in Metro Atlanta.

The state has steadily reduced its share of public school funding over the past 20 years – even if the costs have risen sharply.

School buses are a major turning point. According to the Georgia Budget Policy Institute, the state funded 54% of school travel in the 1990s. Today it’s 14%, according to the GBPI, although it now costs more to buy and operate school buses.

This money comes from money that is used for education.

“So fewer teachers, fewer resources for children in need because the state continues to undermine and underfund public education,” said Stephen Owens of the Georgia Budget Policy Institute.

Owens says the federal government will pour billions of new dollars into Georgia public schools. But in a state where Owens says class sizes have grown and technology has lagged for the past twenty years, federal funding is unlikely to fix chronic government underfunding of public education.

“Perhaps, instead of investing this money in human infrastructure like school counselors or additional teachers, (schools) would instead use that money only for one-time expenses, staff loyalty rewards, and changes to the school building,” Owens said. “If you hire additional people, you only have to fire them again as soon as the federal funds are used up.”

Owens says local taxpayers have picked up much of the loophole left by the state’s underfunding of public schools. He says if the state wanted smaller class sizes and better technology in public schools across Georgia, more government funding would go the best.

BuddyCheck24: Fresno thrift retailer elevating cash for American Most cancers Society

FRESNO, Calif. (KSEE) – As we near Breast Cancer Awareness Month in October, there is a unique opportunity to support the fight against breast cancer and perhaps collect a treasure or two along the way.

Saving for treasures, hunting for special or useful items at a bargain price. It happens every day at the American Cancer Discovery Shop in Fresno.

“We just have a nice shop. It’s not marketed like a thrift store. It really is a beautiful boutique, ”explains Branch Manager Bonnie O’neal.

Saturday September 25th marks 56 years for Discovery Shops. Founded in Los Angeles in 1965 by a woman named Denise Noel, who socialized with the Hollywood elite and raised money for the American Cancer Society through the sale of her donated goods.

Today 45 Discovery Shops are scattered across California, including the one in Bullard and West in Fresno.

The store is beautifully decorated by store volunteers, many of whom are cancer survivors. It is filled with donated clothing for men, women and children. And household and decorative items galore, with all proceeds going towards research, education and support for cancer patients.

“Absolutely, that’s the main reason we’re here and it feels good every day to know,” said O’Neal.

The Discovery shop also stocks wigs donated by local wig shops. Cancer patients can choose one for free.
“And if you need one more, you can come back and get a new one,” O’Neal explained.

Every item on display has been curated for quality. Some of it is extremely high-end. In fact, on October 28th for Breast Cancer Awareness Month, customers will be able to shop from a special collection of designer clothes and accessories.

“We saved goods, as you can see. We have some nice, nice items here. Salvatore Ferragamo, Louis Vuitton, Chanel, ”said O’Neal.

Whether you donate to the shop or buy here, it’s a win all round.

With the ultimate winner is the American Cancer Society and the important community it serves.

The Fresno Discovery Shop is open Monday through Saturday, 10am to 5pm. You can support it by shopping to donate your used items, with all proceeds going to benefit the American Cancer Society.

Cash Monday: Curbing your overspending habits | Connecticut Information

(WFSB) – During the pandemic, many of us bought things that we don’t need.

“How do I stop spending too much?” Asked Stefanie O’Connell Rodriguez, presenter of Money Confidential on Real Simple Podcast.

Stefanie says that a lot of people ask this question.

“Make it harder to spend money so don’t save this credit card number in your checkout settings so it’s so easy that you can spend it with just one click. Finding your wallet or purse, digging up your credit card and typing in the numbers only leaves you with more time between the urge to save money and the actual purchase, “said O’Connell Rodriguez.

Or leave the card all together and use cash.

“Cash is restrictive. You can’t spend more money than you have available, such as having a credit card to be an opportunity to use only cash, “said O’Connell Rodriguez.

Spend journals help you keep to your budget.

“What happens in those moments when you tend to spend too much or the urge to splurge? Is it a particular circumstance or a situation? Does it feel a certain way when you are happy, angry, tired, hungry? Just knowing when you are over-spending these feelings can help you figure out ways you can create better systems for managing these moments, “continued O’Connell Rodriguez.

And finally, create visual reminders of your goals.

“A background on your phone of the house you want to buy and the down payment you are saving for is a great example, or just print out a picture of the vacation destination you want to visit after a lockdown and wrap it in yours Cash and your credit card so that every time you spend money you are reminded whether this purchase will help you get closer to or further away from that vacation, “added O’Connell Rodriguez.

The Money Confidential Podcast is produced by this news broadcaster’s parent company, Meredith Corporation.

Copyright 2021 WFSB (Meredith Corporation). All rights reserved.

Ask the Skilled: Cash Issues with Belger Monetary Group

NS. LOUIS, Mon. – In today’s Money Matters Monday, sponsored by Belger Financial Group, we asked the question: Are you ready to retire? We mean, are you really ready to retire? Greg Belger, the president of Belger Financial Group, a local firm focused on preparing people for a successful retirement, helped us understand how many of us can truly know, based on our experience, if we are really ready to move into to retire? We discussed the importance of tax planning, multiple sources of income, and why creating a plan is essential.

For the first five callers with a portfolio of $ 250,000 or more, Greg is offering a free retirement roadmap just for you. This allows Greg and his team to sit down with you in person and ensure that you are on the right path to a successful retirement.

Call 314-798-9955 or learn more at https://belgerfinancialgroup.com/


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ABQ monetary advisor: Ideas for speaking about cash along with your children, preventing in opposition to inflation

Danielle death co

Updated: September 27, 2021 8:51 am

Created: September 27, 2021 8:49 AM

ALBUQUERQUE, NM – Concerns about money is something many of us have experienced before, and rising inflation is making it more common. However, there are ways you can fight inflation and teach your children how to make good financial decisions.

David Hicks of the Oakmont Advisory Group discussed tips on every topic with Danielle Todesco on Monday morning.

Bingo! Group raises cash for housing wants – Chico Enterprise-Report

Bidwell Park rang out with the sound of “Bingo!” On Sunday, Home & Heart supporters and employees gathered for some spirited bingo games and to provide information and raise funds for the organization.

According to the organization’s website, Home & Heart is an affordable housing solution that suits adults in Butte County who have a room to share with people in need of affordable housing. While they prioritize services for older adults, the program is open to all eligible adults who have a room to share (housing providers) or those looking for affordable housing (housing seekers).

  • Home & Heart’s program manager, Sierra Schmidt, calls for bingo moves in the Oak Grove Picnic Area in Bidwell Park on Sunday. (Jennie Blevins / Chico Enterprise Record)

  • Bingo attendees study their boards carefully at Home & Heart’s Sunday fundraiser in Bidwell Park. (Jennie Blevins / Chico Enterprise Record)

  • Caitlyn Patterson won the first Sunday bingo game and received a Beatniks gift card and a free meal at Madison Bear Garden. (Jennie Blevins / Chico Enterprise Record)

Homeshare participants will receive support throughout the duration of the game, including mediation or help with renegotiating the shared apartment agreement as needed.

The program was originally attended to bring seniors together with younger people, but since the campfire it has offered services to young and old who need or provide housing.

Shawn Ramsey attended the event as a first-time home owner in hopes of networking.

“It’s the best way to get to know more people,” she said. Ramsey has a few people interested in staying in her house, but nothing specific yet. Ramsey, who lives in Paradise, also volunteered for the program, picking up a woman who is struggling to get to Chico for shopping.

According to the website, three types of housing are available for the organization: rent only, service exchange and a mixed type of housing.

The first resembles a traditional roommate situation, in which the apartment hunter pays the apartment provider a reasonable monthly rent. The second is a cashless rental option that allows apartment hunters to provide services in lieu of bar rent.

The apartment hunter and the housing provider negotiate the number of hours and the type of services to be exchanged each month based on their specific needs and skills. The apartment hunter is still responsible for his or her share of the ancillary costs and personal expenses. The services may not include personal hygiene such as bathing, going to the toilet or medication management.

The third is a mixed arrangement with a combination of bar rental and service hours. This is the most common scheme and offers home providers the benefit of additional income and housekeeping, and home hunters pay a much lower monthly fee. Providers benefit from additional income and domestic help, and apartment hunters pay much less each month.

Mollie Murphy attended the event as a supporter.

“I fully believe in the program and show support where I can,” she said.

Home & Heart has played six successful apartment games so far in 2021 and hopes to hit 15 by the end of the year, according to Director Cathryn Carkhuff, who gave a brief speech to welcome bingo attendees.

Supporter Caitlyn Patterson won the first bingo game and received a gift card for Madison Bear Garden and a gift card from Beatnik’s Coffee House and Breakfast Joint.

Patterson (probably) smiled behind her mask as she received her award.

“I did an internship at Home & Heart,” she said. “I’m here to show my support.”

The treasurer of the board, Kyle Willman, enjoyed playing bingo and hoped the event would be successful.

“We let people know what we’re doing,” said Willman. “We are looking for more engagement in the community and want to involve people. People need domestic help with the housing shortage. It’s so important for people who are in a tight spot. “

There was also a mask competition and opportunities to mingle with other bingo participants.

For more information on Home & Heart, call 591-3742 or visit buttecountyhomeshare.com. There you will find housing applications. The staff can also be reached by email at homeandheart530@gmail.com.