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trophies, awards, plaques

Life is a competition. And only those who win the competition who deserve the award. One symbol of the award is a trophy that magnificent and stunning. Because the Cup and any awards recognize achievement in a competition.

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Credit: Consumer borrowing grows in September, but credit card use falls

Americans borrowed more in September to buy cars and attend college, but they charged less to their credit cards for a third straight month. The figures suggest that consumers are growing more cautious about taking on high-interest debt in a weak economy.

Total consumer borrowing rose $7.4 billion in September, the Federal Reserve said Monday. In August, it had fallen the most in 16 months. The September figures reflected a 5.8% increase in borrowing in the category that includes car and student loans. But the category that covers credit card purchases dropped 1% after larger declines in July and August.

Credit card use has fallen nearly 19% since September 2008, the height of the financial crisis. For many consumers, adding debt with high interest rates is too risky when jobs are scarce, pay raises are few and unemployment has been stuck near 9% for more than two years.

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U.S. Bank Mortgage Help

U.S. Bank operates in 24 states offering consumers and businesses investing, brokerage and banking services. With more than 3,000 banking facilities, the corporation reported assets of more $280 billion in 2010.

Making Home Affordable

U.S. Bank is participating in the federal government program designed to assist eligible homeowners in modifying or refinancing their mortgage. The bank has developed two different programs to accommodate their clients who are eligible: Home Affordable Refinance and Home Affordable Loan Modification.

Hardship Loan Modification

Eligible homeowners must provide documented proof of a financial hardship, such as a pay cut or temporary unemployment. The modification can be one of the following, or a combination of, rolling delinquent payments and interest into the existing loan, reducing the interest rate or increasing the mortgage payment temporarily.

Repayment Plan

The repayment plan allows homeowners to make regular and additional payments toward delinquent payments and fees during a set amount of time. This plan is ideal for clients who have a large surplus of funds at the end of the month.

Short Sale

U.S. Bank offers homeowners who cannot afford their mortgage the option of selling their home at a discounted mortgage amount. The sale price of the home typically falls short of the balance of the loan, however, enables a homeowner to protect their credit and make smaller payments until the balance is paid in full.

How Letters of Credit Work

The federal Fair Credit Reporting Act (FCRA) requires that U.S. consumers be entitled to a free credit report each year. The government’s goal is to make sure that consumers stay informed, fight identity theft, and get fair treatment.

Credit reports are important because they are the raw data that go into your credit score.

What Information do I Need for a Free Credit Report?

You’ll need to be prepared with your name, address, Social Security number, and date of birth. You’ll also need any prior addresses from the past few years. Finally, you’ll be asked to disclose something that only you know (like the amount of a given payment, for example) as a security measure.

When Can I See my Free Credit Report?

In order to manage the process, availability is only available to certain regions at certain times. As of September 1st, 2005, the entire nation has access to a free credit report.

If your region is up and running, you can see your free credit report instantly online (at www.annualcreditreport.com). If you use the toll-free number, it may be 15 days or so until you receive the report.

What Else Should I Know About Free Credit Reports?

The regulations only entitle you to get a free credit report – not a free score or any other service. As you order your reports, watch out for sneaky attempts to sell additional items that cost money.

In Retreat, Bank of America Cancels Debit Card Fee

Some banks have options that can benefit you, and others charge excessive fees. Rather than selecting a bank for proximity, family tradition, or effective advertising, you can save money by knowing your banking options, how banks function, what practices will incur unnecessary expense, and what practices will help you save money. Your choices boil down to the following:

• Local banks: These offer the advantage of letting you build a relationship with your banker. They may charge higher fees, but they may also be quicker to handle mistakes or to acquire loans.

National banks:Fees, including ATM charges, may be lower, but these banks may also make more mistakes that require excessive effort on your part to sort them out.

• Savings and loans: These may offer higher interest rates and loan accessibility, but they may not be as flexible on checking services.

• Credit unions: Membership usually requires an affiliation with other credit union members (such as a Chevron credit union for Chevron employees). Credit unions are owned and controlled by the people who use them, as nonprofit organizations. You can find credit unions at www.creditunion.com. Because they’re nonprofit groups, credit unions can offer rates and loan terms more favorable than those offered through other banks.

The types of accounts available include the following:

• Basic checking: This type of account is used only for bill paying and daily expenses (earns no interest).

• Interest-bearing checking: If you can stash and maintain a $1,000 balance, this might be a better option. These accounts pay interest but usually require a minimum balance to offset charges.

• Basic savings: Shop for competitive rates and services such as overdraft protection or automatic deposits.

• Money market: This type of account combines checking, savings, and investment funds. They usually require a healthy deposit to open, but they may also provide free checks and pay interest.

• Express: These accounts can be useful if you use ATM, Internet, or phone for access or to pay bills.

• Lifeline: These accounts usually have restricted check writing and are aimed for the low-income customer.

Rather than choosing a bank because you recognize the name and think thousands of branches throughout the country (and world) give them more credence, or because it’s where your family has always banked, a savvy woman will shop for banking services with the same diligence she uses when shopping for clothing and shoes.