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0.26% 0.33% 0.43% Savings Accounts and Money Market Rates provided by 29 December 2010 The recently-passed bipartisan tax bill gave a majority of Americans a tax break. How, though, should you spend that money to make the most of your federal tax break? According to experts, consumers should think before they spend as that added bonus could add up in the long-term.The tax bill that President Obama signed into law this month gave a large number of Americans a yearlong discount on their payroll taxes in 2011, reducing the 6.2 percent tax rate on Social Security to 4.2 percent. Full Post…
Applebee’s now lets you personalize their gift cards with everything from a photo to a personally recorded message. The restaurant has introduced its Digital Gift Cards to allow you to buy and send personalized electronic gift cards 24/7 online via Applebees.com and Applebee’s Facebook Fan Page. What’s more is you can buy and send them instantly to your friend’s mobile device or email any time of day! This is because the cards features 24/7 365 purchase availability. It can also be set up for timed/future delivery; lets the recipient know right away or when you want them to through text messaging; charges you no fees, have no expiration, no shipping, handling, and works same as a plastic card. Get yours today through www.applebees.com or on the Applebee’s Facebook Fan Page!
You already know about bonus travel miles and cash back rewards, but some credit card benefits stretch well beyond instant savings on a vacation getaway. Many credit cards include purchasing safeguards that protect against anything from rental car insurance to extended warranties.
If you can’t find your credit card policy or if you’re confused by the jargon, call your bank or credit card provider to ask about the credit card offers you’re entitled to. Taking the time to understand your credit card protection plan might determine when you use credit or cash on your next big purchase.
5 Credit Card Protection Policies
1. Car Rental Insurance
Saving money on your next vacation can start by reducing or declining car rental insurance. Many credit cards offer car damage protection against collision and theft.
I held back on putting up a post about the fate of our tax brackets because of all the political tap dancing lately, with both sides complaining about the compromise, but it appears that we’ve reached a final resolution.
The timeline:
Monday 12/13: The Senate voted to end debate (cloture) 83-15
Wednesday 12/15: The Senate vote 81-19 in favor of passing Senate Amendment 4753 (which amends H.R. 4853 Middle Class Tax Relief Act of 2010)
Thursday 12/16: Despite all the complaints by House Democrats, the House of Representatives approved the $858 billion tax deal on a final vote of 277-148.
Friday 12/17: It’s expected that President Obama will sign this bill today.
If you’re one to keep track of who scored which political points, then I think each side came out with what they wanted.
At this time of year many people are reliant on credit cards, and being able to use a credit card for your spending over the festive season has both its ups and downs. Having a credit card means that you can enjoy the convenience and ease of using plastic to pay for your purchases over the festive season, and you can also spread the repayments on your credit card, so you don’t have to pay for everything in one go if you do not have the money.
However, on the downside using credit cards to pay for Christmas if you plan to spread the repayment can result in getting into huge levels of debt that become very difficult to repay as time goes on. It can also mean paying a huge amount of interest if you do spread the repayments on a high interest credit card, which means that Christmas will have cost you far more than you bargained for.
It is therefore important that you are using the right card when shopping for Christmas gifts and purchases, which would involve using an interest free purchase credit card if possible.
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