Verdict: The APCO Visa card has a number of advantages. It offers a fixed APR that is not tied to the index, as well as cash back on every purchase. This card has very few hidden costs, no annual fee and no penalty APR. Overall, the APCO Visa card is a good choice for members who want a straightforward, free to carry card. This card works well for those who make frequent purchases to take advantage of the cash back and individuals who want to finance large purchases.
Overview: The APCO Credit Union extends membership to many individuals who live and work in Alabama.
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January 21st, 2012 in
Credit Cards | tags:
Apco Visa,
Card |
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What are corporate sustainability leaders worrying about these days? Are businesses still investing time and money in green initiatives like they did a few years ago?
GreenBiz recently unveiled its State of Green Business 2012 report. The 84-page report goes into great detail about the current climate for business sustainability and outlines some emerging green business trends.
Though there’s a general perception that it’s been a grim few years for sustainability given the down economy, the report says that’s not exactly true. Compan
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January 21st, 2012 in
Business News | tags:
Business |
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Media outlets this week couldn’t get enough of the story of Alexis Rodriguez, a Bronx man who received a medical bill for $44 million after receiving treatment for pneumonia. In what turned out to be a simple printing error, hundreds of patients received bills for staggering amounts of money – including Rodriguez, who really only owed about $300.
This story made news because its outrageous proportions bring to light a very real fear that many Americans face, namely that they simply won’t be able to afford their medical expenses.
But it’s an important story to consider for another reason: it reinforces the importance of communicating with your medical care providers.
Communicate to Keep Medical Costs Down
Rodriguez and others who received grossly inflated bills called the billing company immediately to question the “amount due” figures they saw. But if the
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January 21st, 2012 in
Bankruptcy | tags:
44 Million,
Bill |
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Low and stable mortgage rates and a modestly improving economy are starting to produce positive effects on the nation’s housing market. While starting from extraordinarily low levels, and though improvement is still of course tenuous, there have been accumulating signs of improvement for months.
If the economy can continue to nudge forward for a while longer without some new or already-known catastrophe to derail it, we just might have ourselves a housing market worth talking about when spring rolls around.
4 signs housing is on the upswing
1. Mor
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The fabric of our lives, naturally preserved artifacts, can be worth some serious dough — but people rarely get away with heisting these valuable artifacts due to the major security in museums all over the world. Riots and looting, however, sometimes trump these security measures and many artifacts are destroyed in the process. But shameless looters are not the only reason you won’t see your favorite Chinese tombs in a museum near you — natural disasters, careless construction workers and angry evangelists also make appearances on this list of 5 incredibly valuable artifacts that were destroyed.
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Debt consolidation loans, used properly, can be the solution to a financial nightmare. If you have lots of different debts such
as loans, credit and store cars, HP etc, all paying varying rates of interest, then a debt consolidation loan could be for you.
These loans do exactly what it says on the tin they consolidate all your debts, and pay them off, leaving you with just one
monthly commitment to meet each month.
Normally, at a larger rate of interest.
The benefits are two fold you pay less in interest overall (for example, a typical loan
is around 78% APR, while a credit card is anything from 13% APR upwards) and you also have the physiological benefit of knowing
that just one payment has to be serviced every month as opposed to worrying aboutpaying bits and pieces here and there.
That is
how debt consolidation loans should be used.
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You can get a MacBook Pro for $70! With penny auction sites, prices start at a single cent, and you can possibly buy expensive electronics for low, low prices. At least that’s what the adverts tell you. Unfortunately, the reality of these penny auction sites is that they are making loads of money for the site owners – and you have a slim chance of actually getting a good deal.
Pay Per Bid
It’s important to understand that penny auction sites aren’t making money on selling items dirt cheap. They’re
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Mortgage rates fell again this week, hitting new record lows across the board, according to new figures released today by Freddie Mac.
The lowest mortgage rates ever were reported for both fixed- and adjustable-rate mortgages, according to Freddie Mac, which has been tracking rate information since 1971. Average interest rates on “standard” 30-year fixed-rate mortgages fell to 3.89 percent, breaking last week’s record-tying level of 3.91 percent. Interest rates on 15-year fixed-rate mortgages also fell to a new low, hitting 3.16 percent, down from 3.23 percent last week and exceeding the previous record of 3.21 percent first set the week of Dec. 15, 2011. Initia Read more…
The FHA has declared that the flips must go on. The mortgage insurer recently announced that it would extend a reprieve of its anti-flipping law through 2012.
The exception to their anti-flipping law was originally enacted in 2010 and set to expire this month. The rule states that the FHA will not insure loans that are bought and sold within 90 days. Allowing house flippers to continue to operate via FHA loans is considered by proponents as a way to help remove excess foreclosures and stabilize home prices.
Targeting low-income neighborhoods
Allowing house flippers to continue their business with the assistance of the FHA is especially important to low-income neighborhoods.
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January 11th, 2012 in
Mortgages | tags:
Flips Must,
Must |
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The recession between 2007 and 2010 had a profound effect on Americans’ ability to pay their medical bills, as one in five consumers now struggle to pay medical debt, according to recent survey cited by Kaiser Health News.
And the authors of the study believe that the new health care law passed in 2010 may not make a large dent in the overall level of medical debt in the United States.
For families who are struggling to pay doctor’s bills, though, Chapter 7 bankruptcy may offer a potential path to financial relief.
The following statistics, which were compiled by the Robert Wood Johnson Foundation and the Center for Studying Health System Change, reveal the depth of the medical debt problem in the United States:
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