Archive for the ‘Free Credit Score’ Category.

CD Rates – Police and Fire Federal Credit Union CD Rates

Police and Fire Federal Credit Union rates of CD are from a financial institution that focuses primarily on loans and deposits. They are dedicated to providing members with a service, value and convenience.
The rate following CDs were sent July 8, 2010 and is still valid as of July 15, 2010. The CD with this financial institution is called a shared certificate (STC), because it is a credit union. The five years STC has a yield of 3.93% and 4.00% Apy. The four years SC has a yield of 3.45% and 3.50% Apy. The SC has a three-year return of 2.96% and 3.00% Apy. The SC has 30 months yield of 2.48% and 2.50% Apy. The two years SC has a yield of 1.99% and 2.00% Apy. The SC has 18 months yield of 1.49% and 1.50% Apy.
SC 15 months is the amount of dividends and APY is 1.45%. 1 year SC is the amount of dividends and APY is 1.40%. SC 9 months is the amount of dividends and APY is 1.35%. SC 6 months is the amount of dividends and APY is 1.25%. SC 3 months is the amount of dividends and APY is 1.20%.
There is a penalty for early withdraw. For more information on this subject, please check out PFFCU’s “Truth in Savings Brochure”. To receive the stated APY rates, the dividends must remain in the account for the term of the certificate.
This is the current police and fire rate CD Federal Credit Union available to members at this time.
We strive to bring you the latest information and accurate as possible host sites of financial institutions that name. Always remember – the higher the risk, the greater the reward or loss. Invest with caution.

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Strategies For Merchant Records and Protecting From Credit Card Fraud

Today, fraud security and charge cards is a beneficial matter-of conversation associated with vendor records.  You read about the tales associated with missing or stolen credit cards.  In addition having your identification stolen and soon after find out you had charges not produced by you is a really frightening circumstance. 

There’s no one solution that stops fraud. It will take selection of ways to battle it.  coverage arises from knowledge and knowing the latest techniques affecting industry. Looking into dilemmas given below helps know what your online business can perform to safeguard your fraud risk. Having the understanding is an important step towards fighting fraudulence. 

Keep an eye on people who:

Buy considerable amounts of product without worrying all about dimensions, color, or cost.
Cannot ask recommendations or concerns on big dollar acquisitions.
Try and distract or supply you with the bums rush during a-sale.
Complete expenditures and quickly leave the store, however keep coming back later on and get even more merchandise.
Make large purchases soon after the shop’s orifice, or given that store is closing.

This will be only a sample of exactly how fraudulence does occur in your account.  There are others to take into account, but these would be the biggest. 

Revolutionary Merchant Solutions is often open to help our customers twenty-four hours a day 365 times a-year. They have been built not only on high-tech solutions, but also on award-winning customer service. They usually have been recently granted the Arthur Andersen Award for Best company Practices in client satisfaction together with Ernst and younger Entrepreneur Award.

If you’re a current vendor or a new business looking to start a merchant account and  get a free of charge price analysis with excellent customer service, than look no further than Innovative business Solutions.  Merchants can slim more about the fundamentals of opening a merchant account at or contacting them toll free at 800-328-2269. 

Offering merchant account solutions to Baltimore MD, Broomall PA, Charlotte NC, Chester County PA, Delaware County PA, Los Angeles CA, Newtown Square PA, nyc NY, Philadelphia PA, Rhode Island, Trenton NJ, Wilmington DE, Woodland Hills CA and more.

Daren provides methods for customers and business people.

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NW company becomes first to utilize carbon credits

January 6, 2010

By Oregon Small Business Association,

In a recent transaction in the Pacific Northwest, Jefferson Land Trust sold 400 metric tons of timber resources.  What makes the deal remarkable is that it didnâeuro™t sell any woodâeuro”instead the sale was for the carbon stored in the trees.  It was the first direct purchase of carbon credits by a Pacific Northwest company and the first on the North Olympic Peninsula.  Shorebank Enterprise Cascadia, a non-profit financial institution that promotes economic opportunity and a healthy environment, purchased the carbon from the land trust.  In return, the company offsets three years of its carbon dioxide emissions.

Although the company had previously analyzed its operation and adopted efficiencies to reduce its carbon use as much as possible, some carbon use could not be avoided.  âeuroœWith this purchase of carbon offsets, we are paying the environmental cost of doing business,âeuro Shorebankâeuro™s Mark Bowman told The Statesman Journal.

Carbon offsets enable individuals and businesses to reduce the CO2 emissions they are responsible for by offsetting, reducing or displacing the CO2 in another place.  Carbon offsets typically include renewable energy, energy efficiency and reforestation projects.

Trees naturally collect carbon in the photosynthesis process, taking in carbon dioxide and releasing oxygen, absorbing the carbon as they grow and locking up greenhouse gases that might otherwise contribute to environmental damage. Carbon is released when the trees are eventually cut down.  In a carbon trade, the owner of the forest is paid to delay harvesting for the contracted amount of time so that the forest will continue to hold the carbon.  In this transaction, the contracted amount of time is 100 years.

According to The Statesman Journal, all forests store carbon in their trees and soil, but the old-growth forests of the Pacific Northwest have the greatest carbon accumulations of any ecosystem on Earth.

Back in 2007, California Governor Arnold Schwarzenegger and House Speaker Nancy Pelosi both came under fire for flying in private jets to promote their stateâeuro™s environmental efficiency credentials, emitting tons of carbon in the process.  To silence their critics, both announced they had purchased carbon credits from the Van Eck Forest in Humboldt County.

Ideally, carbon emission offsetting should be used to offset the unavoidable CO2 pollution after all other possible alternative efficiencies have been exhausted.  The danger of carbon offsetting is to postpone real solutions to solve the problem of global warming and other pollution. is a comprehensive ecommerce website that combines robust commerce, content, and community.  We believe that we have created the most comprehensive site to date to make eco-friendly products, services, and information available to individuals who wish to live a green, more eco-friendly lifestyle.  Our site offers a very broad and diverse array of eco-friendly products as well as comprehensive, authoritative information and environmental education.  Additionally, users can enjoy the sense of community created by participating in our Forum.

Payday loans no credit check: A Helping Hand In Need of The Hour

Do you want to gain some quick and hassle-free funds through loan? Do you want to avoid any type of problem including faxing papers, showing credit rating and even placing security? The payday loans no credit check are waiting to help you out and you can grab them in a short-span that too without qualifying for a hectic paperwork process. They are always ready to help the borrowers as per their need because they don’t make any delay for them.

Payday loans no credit check can help you fulfill your requirements up to 1500 pounds that too for a month. You don’t need to think about its repayment in a week or two because they can be cleared when you get your next payday. Thus, you should be relaxed anytime when you have a cash problem and none stands with you to support you.

Another thing to keep in mind while availing these loans is that you should be careful in their repayment as they come at a bit high rate of interest. You will be happy to know the fact that these loans also take care of you when you are suffering from lots of credit issues including arrears, bankruptcy, defaults, CCJs and even insolvent feature. There will be no restriction for you loan application when you apply for it with any credit issue.

There are two famous ways of gaining cash but people prefer to go with the online mode. It is what can make your life relaxed. You can see money in your pocket within hours and thus, you will be happy at all. Well, don’t bother for anything and grab funds right now through payday loans no credit check that are just lovlly options for you.

Jeson Addevsen is a well known author and has been writing content for Payday Loans No Credit Check. His content is worth reading as it gives you an insight about different aspects of payday loans no credit check, no credit check payday loans. For more information visit

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How to Survive the Credit Crunch – 3 Simple Saving Tips

Times are tough. However, you are tougher. That is why, with a few small and simple Saving Tips you can make changes to your lifestyle and spending habits, you can not only survive this credit crunch, but you can get back on top of your finances.

Limit your weekly spending

Think about all those little extras that you purchase every week. Maybe this is a coffee every day on your way to work. Maybe this is a quick sandwich and salad from the cafeteria at lunch. Perhaps it is a gossip magazine every time you visit a store. Or maybe it’s a daily mid afternoon energy drink or a pack of cigarettes. Whatever you are spending in a day, these little things can really add up.

Think about this: if you are buying a $ 5 coffee a day, then you are spending an extra $ 100 a month. If you are purchasing a $ 10 lunch every day, then you are spending an extra $ 200 a month. Cigarettes, magazines, energy drinks, after-work cocktails- all of these things can add up without you even realising it. Suddenly, you are at nearly $ 500 extra dollars a month, just with coffees, lunches and other daily treats.

You’ve probably heard people say “I don’t know where the money goes.”
Now you do. It is the little things that make the expense difference.
Your Savings start with a single Dollar.

Resist that sale!

When something is on sale, it’s a lot harder to simply walk past it. Retailers know and understand this; that is why they have sales. With the credit crunch and the slow spending, retailers and shops are constantly advertising their low prices and half off sales.

However, even if something is one sale, you are still paying for it. It is still an expense.Think twice before you spend and ask yourself the question: Do I need it or I just want it? Avoid the temptation and save.

Re-Shape your Special Indulgences

There are certain indulgences that you should never have to give up. Life is made up of those simple pleasures.

For those who love to spend their days off enjoying a cup of coffee and reading a good book, you can still do those things. However, instead of purchasing the latest $ 30 hard cover book and ordering a $ 7 double-shot-slim-mocha-chino-frap-a-licious-dollap of cream-on-the-top-coffee, you can buy on line at reduce price or visit a second hand book store and make the coffee at home. Browsing through a second hand book store is like exploring a whole world of forgotten treasures. And, finding a good book for under $ 5 is an indulgence in its own right and the savings are yours.

Or, for those who love to indulge in a spa treatment after a stressful week, why not create your own spa-like atmosphere at home? Light candles, put on soothing music and purchase some cheap massage oil from the drug store. Then, sweetly ask your hubby or beau, for a nice, long, lingering massage. Of course, you may have to exchange the favour but that is all part of the fun.

With a few minor adjustments to your daily lifestyle and weekly indulgences, you can save a couple hundred bucks and put those money woes behind you.

Edna Ferman is a Personal Finance expert and coach and residing in Sydney Australia. The creator of The EKG Money Method, Eliminate Debt, Keep your goals in sight and Get out of Debt. Edna has created this method, using her experience and expertise in managing her business, her business finances and her personal finances. With this knowledge and using this method herself, Edna has been advising and helping many people in enabling them to reach their financial freedom and will show you how to have a passionate love affair with your money.

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Is There Really Any Secret to Buying a Car With Bad Credit?

There is no secret to buying a car with bad credit, however knowledge is power. The more that you understand the options that you have in regards to obtaining financing, the better off that you will be. Car dealerships are not going to sit there and tell you everything that there is to know about bad credit car finance. Typically, they don’t tell you anything more than what you need to know to convince you that the deal that they are offering you is the best that you are going to be able to get.

Would it be any surprise to you if there was something better than what is offered at a car lot? Would it surprise you if there were better options available for obtaining financing and that a dealership won’t tell you about them?

It should come as no surprise at all that there are in fact options that you have that you will not be told about at a car lot. Those options can significantly increase the odds of you being able to be approved for more car with less money. It is not a secret, however it is knowledge that many people that have bad credit are not aware of.

What you need to know if you have bad credit, is that there are lenders that are available to work with you that you cannot deal with through a car dealership. While dealers may have access to many lenders, there are other options available.

My recommendation: If you obtain your financing outside of a car lot and away from where you are shopping for your car, then you have an opportunity to think logically about the decision that you are making and are less likely to be taken advantage of. There is no one that will be trying to talk you into doing something that you may not need to do.

Also, your emotions and the emotional attachment to a vehicle is less likely to be a factor that will influence you to make a compulsive financial decision. There are websites on the Internet that are reputable and can help you obtain car financing without your having to deal with a salesman or having to go from one car lot to another, trying to find a dealership that has the right lenders to approve you based on your individual circumstances. 

Enter your ZIP code and household monthly income at http://www.MyCreditTree.Net/ and see if there is a lender that will approve you for a no money down car loan. You can also apply at http://www.FundMyVehicle.Net/ and get approved in 45 seconds.

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I Want a New Car But Have Bad Credit – What Should I Do?

If you want a new car and have bad credit, then you have probably not been very happy with the answers that you have been getting at car dealerships.

Usually, when you test drive a car and a new car dealer and fill out a credit application, the salesman will typically try to interest you in a used car. The odd caveat of this is that the payments for a used car can frequently be more than the payments on a new car because of the types of lenders that dealerships typically use.

The payments on used cars being about the same as the payments on a comparable new car is due to the fact that new cars can be financed for a longer period of time. So, when you have looked at a $ 15,000 used-car that will have payments of $ 350-$ 450, depending on interest rates, you would actually pay about the same thing for a brand-new $ 20,000 car. This is because the newer car can be financed one or two years longer than the used-car.

Now, those are not exact figues, but a representation of a typical deal.

It’s very discouraging when you have smelled the new car smell and driven a new car, only to be told that you need to be looking at a used car because of your credit. After having driven the new car, every thing else on the used-car lot just does not seem to compare.

There is really exciting news if you have bad credit and would like to entertain the idea of buying a new car instead of a used car. Some lenders look at new cars as being better for people that have bad credit. This is because new cars naturally have a new car warranty, which means that you will not be spending out-of-pocket money for car repairs for the first few years that you are making your car payments.

If you want a new car with bad credit, your best option is to use a lender that caters to people that are in your situation. There are a few good resources for this that can give you an easy approval on the Internet.

Enter your ZIP code and household monthly income at http://www.MyCreditTree.Net/ and see if there is a lender that will approve you for a no money down car loan.