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Credit card debt is one of the most wide spread financial problems throughout many countries of the world. The convenience of using credit cards, combined with the special offers, discounts and reward systems offered by the credit card companies make this method of paying for goods the number one favorite for hundreds of millions of people.

credit cards, finance, Avoiding Credit Card Debt, credit card debt

Credit card debt is one of the most wide spread financial problems throughout many countries of the world. The convenience of using credit cards, combined with the special offers, discounts and reward systems offered by the credit card companies make this method of paying for goods the number one favorite for hundreds of millions of people. However, irrational spending or simply gradual uncontrolled spending habits can lead to a lot of accumulated debt. Preventing this is essential, as it is much easier to avoid credit card debt problems before they grow strong, instead of battling them when they are already at maximum intensity.

The temptation to use credit cards repeatedly a fact that is also supported by the reward systems and lower monthly payments – will often lead to debt problems. Here are a few tips that will help you use your credit cards more wisely and enable you to prevent the unpleasant situations of having to pay off credit card debts: Set your budget create a framework for a monthly budget, as this will enable you to get a better sense of what your earning and spending balance is. Much notice that they simply can’t stick with the planned budget in this case you should leave your credit card at home when going shopping, and use cash instead. Try to pay as much of the balance for each month. Don’t settle for the minimum payment, as that will gradually develop into credit card debt as you are loosing quite a lot of money to interest rates.

Always remember that your credit card is a cash substitute, nothing more. You can either carry a balance, which comes with a high interest loan or you can make the minimum payments. Although the amount of the minimum payment seems insignificant (it is usually around 3% of the entire balance), this approach will gradually put you in debt. The credit card company accepts such low payments because they get their money back from keeping you in debt for an unlimited period by using high interest rates.

Many studies have been carried out on the psychology of the credit card owner. We tend to spend more than we can afford, own things that are above our financial reality levels and gratify an immediate need with a debt that might take years to pay off. Try to adapt your spending habits to your life style and earnings. If you can’t pay off the balance on a monthly basis, then you are going into a vicious circle of overspending and credit card debt. Don’t use the credit card anymore, until you pay off the outstanding balance. You should also make sure to pay it off on time, as there might be late fees and different other financial penalties that will further complicate your debt problem. Your credit record will also get damaged if your payments are inconsistent and you are often late with them.

Prevent credit card debt by making sure to keep your finances simple. Use only one or two credit cards, if possible. The more cards you have the higher are the chances that you will not be able to pay them off in time. Never pay off one credit card balance with another credit card. If this happens, you need to drastically change your spending habits and come up with a good credit card management plan. Cash advances might sound attractive, but the truth is that they come with higher interest rates and you don’t get a grace period. There are also transaction fees to worry about.

The credit industry is extremely dynamic, and credit card issuers are always trying new ways to convince more people to sign up with their services. Different forms of rewards, life insurances, protection plans or point systems were created to make the credit card plans more attractive. Make sure you don’t let your emotional side dictate when you make a credit card related decision. Getting free gifts or free air miles sounds amazing, but is it really worth it? Try to base your choice on hard facts and a realistic financial plan, not on an advertising created fantasy.

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0 APR credit card APR, cash back and optional rewards etc. are several reasons for any one to opt for a good credit card. They are also a useful and a smart way to meet ones financial needs. Most of the credit card companies offer most attractive features to lure their customers.

These credit card companies offer 0 APR credit card for several reasons and in several manners. Many cards offer 0 APR credit card for first six months and after the introductory period is over t…

Business Credit Cards,Best Credit Card,0% Credit Cards,Low Interest Credit Cards,Credit Card Debt

0 APR credit card APR, cash back and optional rewards etc. are several reasons for any one to opt for a good credit card. They are also a useful and a smart way to meet ones financial needs. Most of the credit card companies offer most attractive features to lure their customers.

These credit card companies offer 0 APR credit card for several reasons and in several manners. Many cards offer 0 APR credit card for first six months and after the introductory period is over the regular APR is applicable on any purchases made through the cards. This offer for regular period ranges from 12.49% to 15.99% on such a 0 APR credit card.

Credit companies offering a student credit card offer a 0 APR credit card. Most of the 0 APR credit card offer applies to the student credit card on all purchases, cash advances and balance transfers as long as the student does not default under the card agreement. The 0 APR credit card is offered usually by most reputed banks like Citibank, ABN Amro, Chase, etc. Some merchants also offer 0 APR credit card like British Airways, NorthWest Airlines, Hilton Hotels, etc.

Travel cards offered by various merchants and banks like Chase, British Airways, and etc. offer 0 APR credit card for which the introductory period of 0 APR is applicable for first twelve months. 0 APR credit card of a travel category also offers various other benefits other than 0 APR. These benefits include bonus miles, free flights, hotel stays, extra miles or bonus reward points on purchases from participating merchants. Travel 0 APR credit card are also eligible for redemption of reward points at any of the issuing banks or merchants outlet and also at any of the participating merchants.

0 APR credit card have the 0 APR period on limited to a few months. After the period is over the regular APR applicable on these cards can be fixed or variable. One must look for such a 0 APR credit card for which the regular APR period is most convenient. In a fixed APR credit card offer the finance charges are usually high but there is a bottom line for charging the finances. If the published index goes higher then the fixed APR does not change and finances charged remain the same. IN case of a variable APR after the introductory period is over on a 0 APR credit card, the finance charges are low. The existing APR is determined on the basis of published index on the basis of which the finances are calculated for the existing billing cycle.

Chase Cash Plus Rewards Visa, Discover Platinum Card, Chase Platinum, American Express Rewards Gold Card, Citi Diamond Preferred Rewards Card, The GM Card Mastercard, Discover Platinum American Flag Card, Sony Platinum Visa Card, Citi Driver s Edge Platinum Select Card etc are some of the classic examples of a 0 APR credit card.

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Most people want to apply for a credit card online and get the best deal available, including a low interest rate, a reliable credit company, and some sort of reward program like a travel credit card offers. The Bank of America credit card is a card you can trust. They are available online at http://www.bankofamerica.com, and one of the most popular travel credit card they offer is the Bank of America MilesEdge card.

This card offers a great value for a low interest rate a…

apply for a credit card, travel credit card, bank of America credit card

Most people want to apply for a credit card online and get the best deal available, including a low interest rate, a reliable credit company, and some sort of reward program like a travel credit card offers. The Bank of America credit card is a card you can trust. They are available online at http://www.bankofamerica.com, and one of the most popular travel credit card they offer is the Bank of America MilesEdge card.

This card offers a great value for a low interest rate and the best rewards you can get in travel credit card. Plus, with the Bank of America website, you can apply for a credit card online and receive it within a matter of days.

Features:

Every Bank of America credit card offers great features, including the following:

Great security and protection in the form of fraud protection. When someone uses your card to make an unusual purchase, you will not be held responsible for unauthorized charges. In addition, if any of your purchases are stolen or lost and you used the Bank of America credit card to buy them, you can report the loss within ninety days and get refunded for the purchase price charged to your travel credit card.

Online banking services at the Bank of America website ensure that using your MilesEdge card will be convenient and hassle free. You get online bill paying and viewing so that you never have to wonder what will appear on your bill this month, what interest you are being charged, or what charges have been paid for in previous months. You can check your balance and your amount due at any time. You will also receive online customer service and ways to manage your account. And if you apply for a credit card online, you can set all this up when you finish with your application.

The Bank of America customer service is another great feature. When you use your travel credit card anywhere in the world, you are assured that it will be accepted wherever you go. And no matter where you are, customer service is available to you twenty four hours a day, seven days a week. The professionals on the customer service line are there to protect you from credit card fraud and from day to day inconvenience.

Automatic payments are a great feature for many credit card users who do not want the hassle of a monthly paper bill. Each month, your payment is automatically deducted from the account that you choose, either your standard checking account or other business account. No need for stamps or handwritten checks. Plus you do not need to worry about the possibility of late payments and the fees that go along with them. If set up automatic payments for multiple credit cards, you can view your account activities all on one statement.

When you’re on the go and away from home, especially if you’re in a foreign country, having cash is a necessity. But if you’re short on funds, you can rely on your MilesEdge travel credit card from Bank of America to give you cash at ATMs worldwide.

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This article describes how consumers can research and find out about balance transfer credit card offers are currently gaining momentum in the marketplace.

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Only two out of three credit card customers pay their balances off every month, paying more than they should (and could). If you’re one of them, do not despair; with a credit card balance transfer you could easily do a balance transfer and save! If you recently made a big purchase but you can’t possibly make your payment on time, try using a balance transfer credit card that would allow you to you could save a lot of money transferring your balance to other balance transfer credit cards that will allow a very low or even a 0% APR on balance transfers.

Sounds confusing? Not at all! Here’s how this can be done. You fill out an application for a new balance transfer credit card; enter your other credit card accounts and the amount you want transferred from the old account to the new one. Your balance switches accounts, and your interest costs plummet. Generally, you will have up to a year to pay this balance off with a zero percent (or very low) interest rate.

Some other “traditional?credit cards will even offer a low interest rate over the lifetime of the balance until it’s paid off. If you are not sure if you could pay the whole balance in the prearranged zero-interest time-frame, this may seem to be a better option for you. But, using balance transfer credit cards would never be a risk if you plan effectively in advance for balance transfers and, in turn, will help you to save a lot more!

A balance transfer credit card would prove to be a great advantage if you have several cards with outstanding balances. Balance transfer credit cards permit you to do credit card balance transfers all into one account, and pay zero interest for the introductory months. Here are some things you should know, however, before you take the leap.

1. You should end up with a smaller payment amount.
Balance transfers would allow you to bring your interest costs way down, allowing you to make monthly payments, eliminating your debt gradually over the zero interest period.

2. A balance transfer does not mean debt elimination?
NEVER regard balance transfer credit cards to be the answer to all your prayers; it is NOT a way to run away from debts! If you are not able to pay off your balance in full during the introductory period, you may be charged interest on the entire amount of the consolidation, which would prove to be much, much more.
Be sure you check the terms and conditions of the card you apply for. Also, some customers see the new credit cards (or the newly paid-off old cards) as free money, and they continue to spend on them, with the result that they will have just as much debt as they did when they started ?plus the balance on their new balance transfer credit cards. Yikes!

3. Transfer at the right time
If you transfer a balance from a card right before the finance charge is accrued and calculated for that month, you will get almost a month’s free of interest expense. If the balance transfer is done before the interest and finance fees get placed on your statement, you should not have to pay those costs!

4. Cutting back = GOOD; Overspending = BAD
Some credit card companies will charge substantial over limit fees if you go over your assigned credit limit. A balance transfer credit card can give you some wiggle room if you have emergency expenses. Transferring high balances to new accounts can avoid these fees.

5. How do credit card balance transfers really work?

A credit card balance transfer is just like making any charge on your other credit card accounts. The difference is that the debt obligation moves from one credit card issuer to another, rather than from your credit card to a retailer. When one credit card is debited, the other is credited. Make sure you research your options, so that you know the balance transfer steps for the cards that you are using. It may be good to contact your existing creditors to find out if there are specific requirements on their cards regarding balance transfers. Sometimes companies make this a difficult process to navigate so make sure that you are absolutely clear about how the process works for each specific balance transfer offer.

As long as you use your balance transfers in the right way, it can be an excellent tool for financial management in difficult times.

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A credit report is a powerful piece of paper. Lenders look at it closely when deciding whether or not to give you a loan. Insurance companies can use it to determine your rates or whether they will cover you at all. Employers can access it and use it as a factor in offering you a job or promotion. With that much significance placed on your credit report, it is absolutely essential that the information it contains paints you in a good light.

Repairing your credit yourself s…

credit report, credit score

A credit report is a powerful piece of paper. Lenders look at it closely when deciding whether or not to give you a loan. Insurance companies can use it to determine your rates or whether they will cover you at all. Employers can access it and use it as a factor in offering you a job or promotion. With that much significance placed on your credit report, it is absolutely essential that the information it contains paints you in a good light.

Repairing your credit yourself saves you money

According to the Fair Credit Reporting Act, consumers can dispute mistakes in their credit report for free. It can be a little time consuming to pull your report, document the error, type up a letter and send it in, so many people hire credit repair agencies to do the boring work for them. There is no real reason, other than the issue of time, to pour out money for work that you can easily do yourself.

There are no secret tricks to credit repair

Don’t be fooled into thinking that you don’t have the knowledge to clean up your credit report and that a credit repair agency knows a bunch of angles that have eluded you. Everything you need to know in order to fix errors on your credit report is readily available and there is nothing in the process that is required to be done by a third party or professional agency that specializes in credit repair.

Keep yourself from getting scammed

Don’t fall for the ads that claim an agency can erase bad credit from your report. The only thing by law that can be changed on a credit report is inaccurate information. If you have had a bankruptcy, the only thing that will legally remove it from your credit report is time.

Credit repair agencies charge anywhere from $400 to $2000 for their services and the reality is they are not doing anything that you can’t do for yourself. For $30 you can obtain a credit report that lists your history with all three credit bureaus. The rest of the investment in cleaning up your credit report is in the value of the time it requires.

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With a rise in the number of credit card scams, it is necessary that you use and keep your credit card with utmost care.

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With overwhelming use of credit cards, there is a need to keep check on the increasing credit card fraud that is dramatically rising on the internet. Internet users know that it is safe to enter their credit card number on a secure online form rather than giving it in a restaurant to pay off. Research shows that there is increasing number of fraudulent cases where purchases are made by mobile phones on account of credit cards of other persons that are higher than credit card fraud on the internet.

As a rule of thumb, you need to use some common sense and there are some tips that shall help you in avoiding credit card scams:

1. Always keep an eye whenever you use your credit card and get it back quickly if you have given it to some other person and try not to let your card out of your sight.

2. You need to be careful while you give your credit card to someone else and never give your account number over the phone unless you are sure that the company is a reputed one. Also it is not safe to give the credit card number over phone to any company who asks you for the same seeking excuses such as “computer problem?

3. Don’t give any response to emails asking you to provide your credit card information and emails that ask you to go to a website and verify your personal and credit card information as these are known as “phishing?scams.

4. Don’t provide your credit card information over insecure websites.

5. You should sign your credit card as soon as you receive them and shred all the credit card applications when you receive.

6. You should not write your Pin number on the credit card or anywhere near your credit card.

7. Don’t leave your credit cards and receipts lying all around.

8. You should shield your credit card number so that others who are around you could not copy or capture it on a mobile phone or camera.

9. Always keep the list of your account numbers and expiry dates and phone numbers along with addresses of each bank issuing you a credit card at safe places. You need to update this list each time you get one new credit card.

10. Try to carry only those credit cards that you require and don’t carry extra credit cards that you need rarely.

11. You should promptly open your credit card bills and make sure that there is no bogus charge involved. You should also treat your credit card bill in the same way as you check your accounts and reconcile it monthly. Save your receipts so that you can compare them with monthly bills.

12. In case, you find any charges for which you don’t have a receipt or one you don’t recognize you need to report these charges to the credit card issuer.

13. You should destroy and void incorrect receipts and shred anything with your credit card number written upon it.

14. Don’t sign a blank credit card receipt and you can carefully draw a line through the blank portions of the receipts where there is chance to add any fraudulent charges.

15. Even though carbon paper is not much in use but if there is any carbon used in a credit card transaction you should destroy it immediately.

16. Don’t write your credit card account number in a public place for example a postcard or from a place that it is evident to others.

17. Its good if you carry your credit cards separately from your wallet.

18. Never lend your credit card to others and if you move from your existing residence, do notify your card issuer about the change in address.

Visit our recommended website credit-card-debt-consolidation-guide.info

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For startup entrepreneurs having an excruciatingly difficult time raising capital for their project, borrowing against business credit cards becomes a very real temptation; and sometimes, it is the only option immediately available. The caveat is that if you do not manage your business credit cards wisely, you may end up failing in the venture that you have long wanted to establish.

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For startup entrepreneurs having an excruciatingly difficult time raising capital for their project, borrowing against business credit cards becomes a very real temptation; and sometimes, it is the only option immediately available. The caveat is that if you do not manage your business credit cards wisely, you may end up failing in the venture that you have long wanted to establish. Without proper management, the debts that one incurs from business credit cards will simply pile up.

Business credit cards undoubtedly are very convenient to use. The moment you get approved for business credit cards, you get a guaranteed credit line that you can use virtually anywhere, anytime you need it. In spite of not having the cash, you can purchase what you need for the business with your business credit card. The convenience that business credit cards provide can also be the pitfall; and to the unwary user, business credit cards can be dangerous.

Knowing that business credit cards can be dangerous does not mean to say that you should not resort to using business credit cards to prop up your business. The key thing in minimizing the danger is to use the business credit card wisely, or to use it within bounds.

You might be too excited about a new business and get carried away about making more money and having a better life. But wait! Have you ever considered your fallback options should things not work out as you expect them to be? Remember that filing for bankruptcy is no longer an attractive option; the bankruptcy laws have been amended recently, and it is more difficult now for debtors to escape creditors in this way.

There is a way to avoid the debt trap. You should keep track of purchases you charge to your business credit card ?which you can easily do by logging onto your account at the business credit card issuer’s website. You should then work out your payment plan in advance by estimating your cash flow per month, and using this figure to calculate how much you can afford to pay against your business credit card debt. Pay off the entire business credit card balance as often as you can afford to. If that proves difficult to do, try to pay more than the minimum required payment for each month. This is the only way you can stay ahead of finance charges and the very painful bite of late payment fees and default APRs. Unless you have already arranged to remove the personal guarantee you signed in favor of your business, anything that happens to the business credit card account will have repercussions on your personal credit report.

It is necessary ?and quite educational, really ?that you do comparison shopping on trends in business credit card rates. You must educate yourself about how you can effectively use the float period on purchases, the fees for cash advances and late payments, over credit limit charges, balance transfer fees, and penalties for late payments. Then, there are also the annual fees: some business credit cards charge annual fees while others do not. There is a lot of information about business credit cards on the huge variety of websites devoted to the subject. Manage your business credit cards well, and they will help you finance your business.

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When you think of going on vacation, does your mind drift to sunny Florida and a thrilling roller coaster ride? Do you love technology and movies? Then you must be a fan of the Universal Studios Parks and Resorts. Any visit to one of the parks or resorts is well worth remembering. It is a wonderful combination of remarkable visual sights, thrilling rides, and comfort and relaxation at the end of a day.

Universal Entertainment Student MasterCard, credit card, application, apply, compare, offers, business, student credit cards,

When you think of going on vacation, does your mind drift to sunny Florida and a thrilling roller coaster ride? Do you love technology and movies? Then you must be a fan of the Universal Studios Parks and Resorts. Any visit to one of the parks or resorts is well worth remembering. It is a wonderful combination of remarkable visual sights, thrilling rides, and comfort and relaxation at the end of a day. Imagine getting a payback after having such a wonderful time. You can, when you use your Universal Entertainment Student MasterCard.
When you use your Universal Entertainment Student MasterCard at a Universal Park or Resort, you will be getting rewards points for everything you purchase. This includes admission to the park, the nights you spend at the resort, and any souvenirs or food you purchase at the park. Your Universal Entertainment Student MasterCard will give you 2 reward points for every $1 that you spend at the Park. There is no limit on points, so you can continue accumulating reward points and redeem them any time you wish. Like any credit card, this card is also useful for your regular life, such as buying groceries and filling up on gas. For each of these purchases you will receive 1 reward point for every $1 that you spend.
The Universal Entertainment Student MasterCard is a very unusual credit card in several ways. First, once you make your first purchase using your Universal Entertainment Student MasterCard, you will get a free movie ticket. No other credit card offers that. There are contests for card holders, in which you can win free tickets to award shows, and backstage passes to meet some of the attendees. Imagine getting free tickets to a show like the Golden Globes, or the Country Music Association Awards. You will also get notification and VIP invites for sneak movie previews, so that you will know have seen new movies before your friends do. All these are benefits of you applying for and using your Universal Entertainment Student MasterCard.
Another benefit not offered by most other credit cards is that the Universal Entertainment Student MasterCard offers free emusic. More details on how to obtain this are available on the website. There is also 0% interest for purchases during the first six months that you use your card. This means that you can buy those new DVDs that you have had your eye on, and not pay any additional charges for six months, as long as you use your Universal Entertainment Student MasterCard. So apply today!

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The following article lists some simple, informative tips that will help you have a better experience with Credit Card Companies.

Have you ever wondered if what you know about Credit Card Companies is accurate? Consider the following paragraphs and compare what you know to the latest info on Credit Card Companies.

If you are looking for a credit card company to give your business to, but are unsure of which one to choose, then you may want to consider Chase. They are k…

Credit Card Companies,Chase credit cards

The following article lists some simple, informative tips that will help you have a better experience with Credit Card Companies.

Have you ever wondered if what you know about Credit Card Companies is accurate? Consider the following paragraphs and compare what you know to the latest info on Credit Card Companies.

If you are looking for a credit card company to give your business to, but are unsure of which one to choose, then you may want to consider Chase. They are known for being one of the best credit cards around. They make applying for one of their cards very simple and there are no hidden charges.

When you sign up, they will give you all of the information about any charges that they may charge you. They do not have annual fees and offer a 0% interest introductory rate. Also, Chase offers fraud protection, which is a very important thing to have these days.

It is so easy to apply for a Chase credit card. Applying on their website is simple, too. Their website is also a great place to learn more about their credit cards including the interest rates and pictures of each kind of card.

When most people think of Credit Card Companies, what comes to mind is usually basic information that’s not particularly interesting or beneficial. But there’s a lot more to Credit Card Companies than just the basics.

You can also pay your credit card bill online. This is a fast and secure way for you to pay your credit card bill. If you do not have a Chase credit card, but have heard great things about the company, you can sign-up on their website. If you fill out the form correctly, then you could be a Chase member in just a few days.

Chase offers individual accounts and small business accounts. This is great for those of you who are looking for a credit card to start your small business.

Chase credit cards are accepted all over the world, so you do not have to worry about being able to use it on a trip abroad. Chase also gives their customers air miles for every dollar, so you may be able to take a vacation much cheaper than you think.

There’s a lot to understand about Credit Card Companies. We were able to provide you with some of the facts above, but there is still plenty more to write about in subsequent articles.

Now might be a good time to write down the main points covered above. The act of putting it down on paper will help you remember what’s important about Credit Card Companies.

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There are many credit card issuers out there promoting what some people refer to as “bankruptcy credit cards??that is, credit cards for people who have a bankruptcy on their credit report.

Of course, these credit card issuers target individuals with poor credit in general, not just those with bankruptcies ?but for the purpose of this article, we will use the term “bankruptcy credit card?

Most of the bankruptcy credit cards you see advertised are secured credit cards…

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There are many credit card issuers out there promoting what some people refer to as “bankruptcy credit cards??that is, credit cards for people who have a bankruptcy on their credit report.

Of course, these credit card issuers target individuals with poor credit in general, not just those with bankruptcies ?but for the purpose of this article, we will use the term “bankruptcy credit card?

Most of the bankruptcy credit cards you see advertised are secured credit cards. If you are not familiar with a secured credit card, it’s “secured?by a special savings account you establish with the issuing bank which acts as collateral for the line of credit you receive with the bankruptcy credit card.

So how do you go about choosing a “secured?bankruptcy credit card? The first step is to come up with a list of criteria. In After Bankruptcy Credit Solutions I cover eight criteria you can use. When I apply the eight criteria, only a handful of bankruptcy credit cards are left ?so it narrows it down to the better ones quickly.

There’s not enough space here to cover all eight of the criteria I use when selecting a bankruptcy credit card, so let’s focus on a few of them as a starting point:

1. Has Reasonable fees

What’s reasonable? Well, while researching some bankruptcy credit card issuers I came across one that charged a $120 application fee. Compare this to a number of others that charge no application fee at all! But that’s only part of the picture –you also want to make sure the bankruptcy credit card issuer offers an interest rate that is competitive with other issuers. This where comparison shopping, and making sure you are aware of every fee the card issuer charges, is critical.

2. Reports to the major credit reporting agencies

This is very important ?if you want to rebuild your credit history, make sure the issuer of the bankruptcy credit card reports to the major credit reporting agencies: Experian, Equifax, and Trans Union. You also want to make sure the information is reported a certain way ?in After Bankruptcy Credit Solutions, I go into detail on this.

3. Reports credit limits

Why is this important? If the bankruptcy credit card issuer does not report your credit limit, this could lower your credit score with some credit scoring models because they may automatically assume you are at your limit ?even if you are using only 10% of the available credit line.

We’ve only touched on three of the eight criteria I cover in After Bankruptcy Credit Solutions. But, at the very least, it should give you a starting point when it comes to choosing a bankruptcy credit card.

Copyright ?2006 Innovative Solutions Publishing, Inc. All rights reserved.

The company and product/service names referenced in this article are the trademarks, registered trademarks or service marks of their respective owners. None of the owners have sponsored or endorsed this article.

DISCLAIMER:

This information is designed to provide only a general overview of the subject matter herein.

This information is provided with the understanding that neither the publisher nor author is engaged in rendering legal, accounting or other professional advice. If legal or other expert assistance is required, the services of a professional should be sought.

Neither the publisher nor author shall be liable for any loss or damages, including but not limited to special, consequential, incidental or other damages, caused by the information contained herein.