Oakland is one of California’s ten largest cities and one of California’s largest port cities. Oakland is located in the East Bay area that includes Berkley and Oakmore. It is famous for its MLB, NFL and NBA sports teams. It is also famous for its music industry, its thriving port, its annual street fairs and for its vibrant Chinatown. These things make Oakland a great place to live. Oakland also has a diversified economy. This economy includes a thriving shipping industry, many state government jobs, the United States Post Office and several local manufacturers. These employers have helped to create a stable economy that provides many jobs and the potential for career growth.
Two common complaints about the new credit card law, which celebrated its one-year anniversary on Feb. 22, 2011, are that it led to the extinction of 0% balance transfer credit cards with no fee and that it caused increased interest rates. One of these complaints is rooted in fact, but neither serves as a valid criticism of the law.
Yes, the CARD Act’s passage effectively signaled the beginning of the end for credit cards that offered 0% APR on balance transfers and had no fee for the service. However, no one really has the right to complain about this.
Credit card companies were able to offer such an attractive combination of features because the money they lost on people who took full advantage of these free balance transfers was more than made up for by the revenue gained from those who didn’t. Pri
Balance fun and safety when studying abroad – it’s very important to pay attention to the laws of the country you’re visiting when you’re partying. Numerous American students are arrested abroad on drugs charges or alcohol-related offences. Think you’ll be OK if you claim ignorance of local regulations? Think again.
Know the age limit for alcohol consumption. Take heed of rules regarding drinking in public places and driving when under the influence, and keep to them. Because accidents happen when you’re under the influence, take care to avoid excess alcohol consumption and take out comprehensive travel insurance to cover you for healthcare abroad if you need it.
One of the biggest arguments in paying down credit card debt centers around the order that you should use when paying off your credit cards. Most personal finance experts agree that you should use a specific method of debt payment. This method of debt pay down involves ordering your debts, and then figuring out how much you can pay on top of the minimum. Then, you take that amount of money, and apply it to one credit card.
If you have a credit card with a minimum payment of $25, and you can afford to pay an extra $200 a month, your payment on that card becomes $225. You keep paying the minimum on all your other credit cards. During this time.
The Financial Ombudsman Services (FOS) has issued a technical note covering some of the issues that arise in relation to complaints involving marine insurance policies.
The Service says it deals with around 100 complaints involving small craft each year and that in most cases the insurer has refused (or restricted) a claim on the basis that:
The vessel was not seaworthy; the consumer had not taken reasonable care to avoid loss or damage; non-disclosure; the claim was fraudulent; the security requirements in the policy were not complied with.
The Ombudsman’s approach in considering each of the above categories is now available on the FOS website
According to a survey, more than 70% of the motorists in UK do not know about the drink drive limit in their country so compare insurance quotes to protect your vehicle and yourself. The people going for formal or casual parties come out drunk and they act as a big risk on road. They might meet with an accident anytime while driving on road, which will influence their premium charges, but also of the innocent other driver.
Currently the Forensic Science Service is not processing any motoring cases due to the rise in spending cost of the test. Now the blood as well as urine samples taken from the motor insurance holders will be stored temporarily till the matter is resolved.
Your credit score is important. You’ve heard it a thousand times, from your parents, financial advisors, TV advertisements, and seemingly everyone in between. They are, of course, correct. Your credit score impacts how much you will pay for a credit card, mortgage, or any number of loans. Many things affect your credit score, but there are also numerous factors that play no role in how this all-important number is computed. Here are twelve things that you don’t need to worry about when it comes to establishing a good credit score.
Anything not in your credit report - There is a wide range of information in your credit report, including payment history, level of indebtedness, length of credit history, and types of credit used. You
It’s obviously that most of us are still swimming around the debt we owe to various lenders. The fact is that times are difficult and people are struggling to pay all their invoices and payments. If you begin to drown, you can search for debt consolidation companies for help. Look here and see what the benefits payingpaul.com can provide you.
The debt can be paid much more quickly with debt relief services than if you go about this on your own. Many services can intervene and put you on the fast track plan that allows you to pay the debt in a year or two. It is much better compared to the many years, you could spend repaying your debt. Read more…
As a young woman abroad you will stand out, especially if you travel to off-the-beaten track destinations. Your fantastic chance to experience a new culture can pass without a hitch if you follow some common-sense advice and think carefully about the medical insurance you need.
While dressing conservatively won’t protect you from all unwanted attention, it’s a good start. Be aware that what’s acceptable at home may be frowned upon in a different country. Baring your midriff, wearing a tight top and even showing your shoulders may give people the wrong impression. Pay attention to cultural differences and you won’t stand out in the wrong way.
Don’t walk alone at night. If you ha