Reasons for support
This bill was supported by the U.S. Chamber of Commerce, Air Transport Association and other groups representing bankers, mortgage lenders, debt collectors and college loan lenders. Below are some of the reasons these groups supported this bill:
Some agencies wanted to be able to contact people in an emergency.
Other businesses wanted to be able to reach consumers for bill collection purposes or advertising.
Politicians wanted to be able to get their campaign messages out using cell phones.
More people have cell phones than ever before and some don’t have land lines. Some that have land lines don’t answer them anymore.
Privacy and consumer cost issues
The bill was killed due to consumer groups and attorney generals’ opposition to it, because of privacy right concerns and costs to consumers. Consumers were concerned that they would receive nuisance calls and had to pay for incoming calls and texts. Consumers with limited budgets may be on cell phone plans that charge for each call and text or have a limited number of free minutes. Attorney generals from 48 of the 50 states sent opposition letters to Congress. In addi
Still catching up from Christmas and New Year’s? No problem. It’s still possible to have a special, romantic and affordable Valentine’s Day with your loved one. Here are 5 frugal and fun tips for a decadent date night on February 14th.
Cake:
A heart-shaped cake is always a fun Valentine gesture, but most people think you need to run out and purchase a special pan to get the job done. While that’s certainly a nice way to go for specialty sizes, the truth is you can pull off a decent heart cake with basic pan shapes you likely already have in your cupboards. Using your favorite cake recipe or dry mix of choice, fill both a round and square cake pan. When the cakes have finished baking, turn the square one so one of the points is facing down. It will look like a diamond. Next, cut the circle cake in half and place one half along each of the top edges of the diamond. You now have a
21 Jan
Posted by: Brianna Levien in: Bad Credit Articles
Many sellers want to wait until the spring before putting their home on the market. This might be for any of several reasons:
In a normal real estate market, this may make sense. However, this market has been anything but normal. This spring will also see some abnormalities. The biggest difference will be the direction prices will take.
In years past, the spring market would favor the seller because increased demand would outpace any increase in supply: the number of houses coming onto the market would not be as great as the number of buyers newly entering the market. In
Transforming your pool area to include luxurious pool cabanas isnt difficult these days. Although there are things to research before starting if you intend putting in anything other than a canvas cabana.
If youre building a pool house cabana, its a good idea to start by making a list of what youll need to build it if youre doing it yourself.
The pool house cabana should be within a striking distance from the pool. There are certain points to consider like: how to maximize sunlight; the exact location of the cabana, electricity, water and other facilities inside the cabana, including a bar sink, toilet, or outdoor shower, etc. It is important to evaluate the pros and cons of the location for the cabana for all four yearly seasons.
The surrounding environment and weather are quite different during the four seasons of the year. So these conditions have great impact on where to build the pool house.
Over the years I’ve learned that when markets are quiet it is easy to fall asleep at the wheel and not abide to your plan but avoid those pitfalls to increase the likelihood for success. Crude bounced off support and closed back above the 9 day MA above $101/barrel. As long as $100 holds prices should work higher. I have advised the sidelines to clients until we get a clearer picture. Natural gas remained in its 15 cent trading range as prices tread water today finishing slightly lower. A settlement above the 9 day MA is needed for any hope of a recovery. Equities finished flat as the 9 day MA continues to act as the pivot point. Being prices are oversold do not rule out a correction back to the 20 day MA…which would be roughly 30 points lower in the S&P and 240 in the Dow. February gold is having trouble getting above $1635, the same level that acted as resistance in recent weeks. I expect this to be temporary and have a target of $1660 plus in the coming weeks. Sil
01 Jan
Posted by: Brianna Levien in: Bad Credit Articles
If the credit grantor closed the account, it was usually because the account was past due; the individual couldn’t pay or was a high risk. Therefore, “closed by credit grantor” was considered negative and impacted your score negatively. On the other hand, an account that the consumer closed was not considered negative. The consumers’ reasons were not financial such as didn’t use the card, didn’t want it, found a better offer, etc.
As it became common to receive pre-approved credit offers through the mail with low interest rates and incentives, new accounts were opened replacing those with less attractive features. Some consumers did this frequently, and chased the best deals. The meaning of closed accounts changed and was no longer an indicator of risk.
When you close an account, you need to be concerned about the impact to your credit score. It can affect one of the five categories – indebtedness. That category is worth 30% of your credit score.
Amounts Owed
Credit utilization is in the “amounts owed” category and is impacted when you close an account. It is the ratio of total