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On April 30th The House passed HR 627 which is an amendment to the Truth In Lending Act by an overwhelming vote of 357 to 70. This Bill is touted as the Credit Cardholders' Bill of Rights and on the face of it, does provide cardholders with new protections against arbitrary rate increases and certain fees. With the substantial Yes vote it would appear that most of the Representatives wanted to come down firmly on the side of the consumers and against the banking industry. That makes good press back home doesn't it?

 

Here's an outline of some of the key measures in the bill:

• Requires that customers receive 45 days notice before interest rates are increased
• Eliminates double-cycle billing and "retroactive" interest rate hikes on previous balances
• Bans credit cards for anyone under 18 and puts limits on cards for college students
• Eliminates fees for paying bills by phone or Internet
• Allows cardholders to set personal credit limits that cannot be exceeded
• Requires banks to apply payments to balances with higher interest rates first
• Prohibits over the limit fees if the transaction created an over the limit situation due to a credit hold.

On the face of it, the Bill addresses several of the most egregious banking practices specifically a ban on applying increased interest rates on existing balances and requiring that payments be applied to the highest interest rate account first. 

 

So are the banks happy with this arrangement? That really is an interesting question. Initially this Bill, if passed, was to become effective in 90 days. That time frame was what the banks objected to the most. They argued that there would be no way that they could come into compliance with that little time. Does that mean they agreed with the provisions and just objected to the effective date?

As it turns out, if this Bill passes the Senate and becomes law, it will not take effect until June 30, 2010 (with the exception that customers receive 45 day notice before rates are increased).

 

Apparently we are to believe that it takes the banks longer to correct their billing software to accommodate the new Bill than it does for them to decide who is to get new rate increases and how much as they currently do. 

If the economy does not have a rapid return of employment, more and more Americans are going to turn to their credit cards for short term financing of living expenses. The banks have a full year to impose new rates on cardholders, to include increasing the rates on existing balances. This Bill looks good on paper, but there exists a strong possibility that it will have little effect protecting cardholders from outrageous rate unilateral rate increases for another 12 months.

 

The only hope for this Bill is that the Senate version will require a more timely effective date and that does not seem likely. If you feel strongly about this, email your Senators and ask them to reconsider the effective date or kill the bill entirely so a new Bill can be written.

Chris Smith is a contributor to the popular consumer credit news site http://www.TryCreditFix.com. You can find more of his articles on credit issues, budgets, credit reports and more. Make sure to check out the SNL video by Steve Martin on a very basic home finance rule.

Candle Holders: Candles and Holders for the Non-Romantic

But if you’re not a true romantic (and let’s face it, most of us only wish we were at convenient times) you probably don’t think about using candles as a primary element in room decorations. But you might want to re-think that. Glass candle holders wall sconces - $14.99 Glass candle holders, candle sconces & free shipping on selected candle holder. Buy set of 2 glass candle holders and candle wall sconces at discount rate.

Candles aren’t the reason to re-think it, though: what you place the candle in is what it’s all about. And think “in”. You can use the usual candle holders that are really just bases to set a candle on . . . or you can step up the style and find glass candle holders that you set a candle in, like a tall glass shape. A sleek fitted bowl. Like adult versions of those tea light cups – with style!

Imagine this: next to your fabulous collection of blue Depression glass you place ten-inch cut glass candle holders. Think about it.

In your eclectic living room (never really left college, did you?) you set three really different candle holders together. Or three identically shaped candleholders in three contrasting colors or three different styles in identical colors (because you really are trying to act grown up).

Dining table – for the holiday centerpiece: use a beautiful footed floating candle bowl as the centerpiece. You can fill it with water and candles, or greenery, napkins, melon balls . . . .

How about Halloween fun? Candles in glass candle holders are the ideal way to add safety and an eerie lighting to your front door.

In that same spirit, they’re wonderful upgrades to the sand-filled paper bags with candles. Use the bags to line your driveway and use candleholders for the porch, deck and entry.

Ugh, that [insert whatever room makes you groan] needs something. Think glass candle holders. Get one or two in an unusual design, like tall hurricane glasses or rectangular colored glass. Find candleholders in unique finishes like mosaic, painted glass or cut aluminum. Use an eye-catching collection of colors, maybe deep moss green, sunshine yellow and burnt orange together.

So that’s it: the best and easiest way to fool those romantics into thinking you’re one of them. And then when you find yourself feeling romantic, well, you’re ready to act like one!

Crystal Glass Wall Sconces: Set Of 2 10 Inch Glass Wall Sconces

The stylish lines of this candle holder allow the fabulous detailing of the leaded crystal to shine through. With a satin nickle pedestal, this beauty is 10 Inch high. 24% Lead Crystal Glass

Fashion Look

Hand Made

3 Tiered Glass Candle Holder Set (2 Sets)

What fun it will be to arrange this set of 3 stemmed hand made candle holders! Add votives, light - and let the good times roll! The two-toned red glass is decorated around the rim with wire scroll work, and it sits atop a bronze metal finished pedestal base.

10 INCH GLASS CANDLE HOLDER (SET OF 2)

At 10 Inch tall, this hourglass shaped hand made candle holder will bring smiles to your house guests. The multi colored shades of amber stains on glass and bronze metal finish will simply shine when you add a lit candle.

About the Author

You can know about the different models of tiki torches available in the market at the BackyardBargain. It is a nice place to explore numerous models of home decor items like curtain rods and candle holders for your home or restaurant.

square candle holders for unity candles?

i have a unity candle and 2 tapers that are all square. i am having a H.E.L.L of a time trying to find candle holders that will support square candles.

does anyone know of any sites or stores??

i found these:
http://www.plumparty.com/22023/square+candle+holder+set+of+2.html

this is ALL i've found.
jessie...i LOVE those. i've seen them before but they're just too expensive.

thanks!!

http://cinderellaspumpkin.com/cgi-bin/spgm?dpt=H&srch=DD&item=bc29o

I saw these. Hope it helps.

Futsal Cup set for tenth season
Holders SL Benfica will be among the contenders when the tenth UEFA Futsal Cup season begins, as in previous years with three rounds of mini-tournaments leading to the finals.

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