The Prime Rate is the one term that is present in the user agreement of nearly every credit card offer on the market. When citing the interest rate, a bank will typically specify a variable rate equal to the Prime Rate plus a fixed percentage. As simple as that sounds, many credit card users don’t know what the Prime Rate is, where it comes from, and why it is important to them.

What Is The Prime Rate

The Prime Rate, otherwise known as the Prime Lending Rate, is an interest rate used as a reference by banks. The term traditionally referred to the interest rate given to their best customers. The Prime Rate can vary from country to country, but in the United States, it is three percentage points above the Federal Funds rate, the rate at which banks will loan each other money overnight. T

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Online petitions which combine the simplicity of Internet publishing with the distribution power of social media are becoming a popular (and successful) way to to demand justice from unscrupulous corporations.

Molly Katchpole, a recent college graduate and Bank of America customer, started an online petition at Change.org that collected more than 300,000 signatures to fight Bank of America’s plan to charge a $5 debit card fee. The bank rescinded the plan after one month.

In a repeat feat, Katchpole pooled together more than 166,000 signatures to end a $2 convenience fee that Verizon, one of the nation’s biggest providers of telecommunication and broadband services, charged for paying bills online.

And most recently, Stef Gray, another recent grad, started a Change.org petition to protest a $50 forbearance fee that was pocketed by Sallie Mae, the largest servicer of student loans in the United States. Sal

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Dear To Her Credit, My boyfriend and I are talking about marriage. I think he will propose soon. I filed for a Chapter 7 bankruptcy two years ago, but now I have no new or old debt and am on the right track.

My boyfriend has a great career and makes about $80,000 a year. We live together, and he is responsible with his bills. He has old debt from medical bills and a few other debtors that are in collections from about five to 10 years ago (he might owe about $70,000 total).

How will this affect my credit if we get married? I want to marry him no matter what, and he is considering filing bankruptcy. Currently, he has an auto loan and, for some reason, his credit score is not bad. What will happen if he files bankruptcy in a few years after we get married? If we are married, can he file bankruptcy in his name only? Also, since I have already filed bankruptcy two years ago, does that affect him? Any information will be helpful. Thank you!

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The US has rejected new EU plans to issue an emissions tax on airlines, saying such rulings must go through the international aviation body.

The statement is an attempt to block European Union plans to charge airlines for carbon emissions created by flights to and from all 27 EU countries from 1 January.

Green initiatives

The new levy is part of the EU’s initiative to combat global climate change, and will now subject airlines to the Emissions Trading System. The ETS is used to charge industries that must pay for their CO2 emissions, such as oil refineries, power stations, and steel works.

The additional fees to airlines will only incur if firms “choose to operate a commercial air route” in or out of an EU airport, the European Court of Justice (ECJ) decided.

Because of this reason and the fact that the new EU regulations infringe “neither the principles of customary international law at issue nor the Open Skies Agrement,” the ECJ ruled on Wednesday that the EU climate change tax is legal.

International reaction

The US, China, and Canada all object to the plan to start levying a carbon emissions tax, as they feel their carriers will lose out heavily.

China estimates that the tax scheme could cost their airlines 95 million euros (£79 million).

Meanwhile, US and Canadian airlines are arguing that the EU charges violate climate change and aviation pacts. Specifical

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Banks have always tried to capture the young adult market since they represent the next generation of high value consumers. To do so, they can offer rewards credit cards affiliated with popular brands such as MTV or Best Buy, while others feature exclusive access to sporting and concert event tickets. American Express offers its Zync card to students and young adults who want the opportunity to tailor their credit card to their individual needs.

For each dollar spent with this card, customers will earn a single point in American Express’s Membership Rewards Express program. Cardholders can also choose to add on different “Packs” to their card at additional costs. For example, The “GO” Pack adds $20 a year to the cardholder’s annual fee, while offering double points for airfare ticket purchases, as well as other travel discounts. Additional packs include the ECO Pack, the CONNECT Pack, and the RESTAURANT Pack which offer additional points for environmentally conscious purchases, telecommunications expenses, and food spending respectively. This produc

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One thing we always need in life is a way to make some quick cash. There are no sure fire schemes to do this but there are methods we can use if we have the skills. If you are a good writer for example have you ever considered writing articles for money?

There are plenty of freelance article writing websites online that offer jobs for people who can prove they can write proficiently well. Prove yourself and this will lead to you making some fast cash before you even realise it. If you have ever fancied yourself as a story writer or just enjoy writing as a hobby this could be a way for you to make money for yourself.

Writing articles like this are not only a way to make some fast cash but they are a way for you to improve your skills. The more articles you write the better you will become. The more exposure you get to the people requiring writers the more jobs you will be offered and in the end this will lead to more work and of course more cash.

In the end all it will take is a few articles and buyers will start to notice you. Read more…