Search For Credit Cards

Most consumers would agree that the Credit CARD Act of 2009 made life easier for credit card users.

However, despite the new protections, card issuers have been quick to come up with new traps for unsuspecting consumers. Here are some of the sneakiest tricks to watch out for when applying for or using your card.

Ambiguous disclosures: Uncertain terms take on a new face Previously, when consumers applied for a credit card, the most important terms of the new credit account were typically buried deep in pages of fine print.

However, the Credit CARD Act of 2009 requires card issuers to clearly disclose the terms and conditions for new and existing credit card accounts, making it easier for consumers to know exactly what they’re on the hook for if they apply for a new card.

But despite the more transparent disclosures, consumers still face significant hurdles trying to figure out exactly what interest rate they will have to pay after they receive a new credit card.

Most card applications these days disclose a range of possible APRs on new cards, making it tough to figure out exactly what youll be charged. F

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If you don’t have any staff, or if there are just a handful of you, it’s still possible to qualify for a “tax-free knees-up” at Christmas, says Tax Tips & Advice. The important thing is to keep within the taxman’s £150 a head exemption, which extends to a guest (such as a spouse or partner). Exceeding it, even by just £1, will “trigger a tax and NI charge on the lot”.

Take a Christmas celebration for a sole director/employee and their partner. “The net cost is £240 (£300 less 20% corporation tax relief = £240).” But spend £301, and the “overall net cost to the company of providing a Christmas outing would be up to £558”. Of course, tipping your budget by a few pounds and ending up with a hefty tax and NI bill isn’t hard to do.

To avoid this trap, make sure that the hotel and/or restaurant is booked in the firm’s name, but a director is authorised to pay the bill personally. That way he can claim back up to

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This is one of the most embarrassing posts Ive ever written here at the Dough Roller. Im a bit ashamed to admit it, but I just signed up for The Platinum Card® from American Express at an annual cost of $450. In my defense, it was all Selinas fault. Heres what happened.

Ive been a member of American Express for 16 years. At first I carried the Green Card, and then I upgraded to the American Express® Gold Card. I liked the Gold Card because of its travel benefits, and it was a perfect way to charge business travel expenses and keep them separate from my personal expenses. Over the last few years, however, my job hasnt required me to travel much. But that recently changed.

Ive gone back to the private practice of law, which will require more travel. So I called American Express to see if I could convert my Gold Card to the Starwood Preferred Guest® Credit Card from American Express. An

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Have you ever wondered what would it be like if we didn’t have internet now?  If PCs were still around, how useful would they be without connectivity to the web?

Connecting to the internet has mad a big impact on the PC era.  It has contributed to the growth and development of the world that we are all enjoying now.  Businesses have utilized the technology in their operations, and the internet has been used even for our personal needs.  However, being connected to the internet also means higher risk of getting virus and other threats which could possibly damage our units, files and even our identity.

Today, the PC is not just the only way to connect.  We can now connect through the wide variety of connected devices such as smartphones, notebooks, tablets, gaming consoles, TVs, and others.  As previously reported, visiting porn sites or adult websites increases the risk of cyber attacks through virus and malware.

To address this growing problem on cyber attacks across multiple devices, just this week, Norton by Symantec has announced their plans to deliver Norton One in the first half of 2012.   This is in addition to Symantec’s earlier announcement last month about their free mobile security for Android based devices.

Norton One is a personalized service that will protect all users and consumers across multiple devices.  This will allow the consumers to have an option to choose a combination of solutions which they think is the most effective for them and to ensure a more protected connected household.

“Norton continues to expand our business with our Norton Everywhere initiative, delivering solutions that are focused on the individual, wherever they go and regardless of the device they’re using,” said Janice Chaffin, group president, Consumer Business Unit, Symantec.  “Norton One is a one-of-a-kind, new model that will address the security and service challenges that consumers face today.”