Eric Holder
If there are reward cards for the frequent flyer and the frequent shopper, should there be a rewards card especially for the frequent reader? For those of you who are fans of Waldenbooks and Borders, the Borders 3.2.1 Visa card is definitely a keeper.

Cardholders are awarded points for shopping at all Borders outlets and it’s not just books we are referring to. Upon enrolling in the Borders rewards program, shoppers can amass two points for every dollar spent on purchasing gas, grocery or even dining. Plus, it gets even easier to collect points with Borders and Waldenbooks as every dollar spent in these stores earn you three points. In addition, card holders are also entitled for special privileges and discounts whenever they shop at these outlets.

Commencing from the first initial purchase that a card holder makes, shoppers will obtain an instant 1000 points on their Borders Rewards Card. With this, the card owner is given the opportunity to redeem a Gift Card from Borders worth $25 for every 2500 points accumulated. Otherwise, they can opt for cash, restaurant gift cards or travel rewards instead.

In addition, the card also provides up to $500,000 of travel accident insurance, emergency assistance and auto rental insurance coverage. Customers are also provided the facility to manage their accounts online, diminishing the need pay offline. For a card that offers $100,000 as its maximum credit limit and $5000 for a minimum limit for $0 annual fees a year, customers are really truly pampered with the Borders Rewards Card. Nevertheless, this is not a card for those who are in the habit of snow-balling their credit card balances. For one thing, the APR for this Borders Rewards Card is based on a two-cycle average daily balance system, which averages out the balance between two months before calculating the interest charges. In short, users who tend to have outstanding balances may find them paying more for this card than they would for other credit cards.



By: Eric Wasselman

About the Author:

For more information or to apply for the Borders Rewards Card, Eric Wasselman recommends Find Credit Cards. See http://www.findcreditcards.org/card/borders-3-2-1-visa.php



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Eric Holder- Attorney General

Ernie Fitzpatrick asked:


There are many interesting attributes to Mr. Obama. One of tehm ahs to be the speed to which he is putting together a probably administration. One of the assurances that he has is a Senate that’s of his own party. Yesterday it was Hillary Clinton for Secretary of State and today it is Eric Hodler for Attorney General. We all know who Hill is but who is this Eric guy?  

Holder was born in 1951 in New York, to parents who had emigrated from Barbados. I wonder if he’s any relation to Neville Goddard? Probably not!   :-)

Eric grew up in Queens and was educated at Stuyvesant High School in Manhattan and attended Columbia University, where he earned a B.A. in 1973 and a J.D. in 1976. After graduating from Columbia Law School Eric worked in the U.S. Justice Department as a trial attorney in the Public Integrity section from 1976 to 1988. He was then appointed by President Ronald Reagan to serve as an Associate Judge of the Superior Court of the District of Columbia.

Ronald!

Obama is calling upon Eric Holder as his attorney general, putting the veteran Washington lawyer in place to become the first African-American to head the Justice Department. Holder has served as deputy attorney general during the Clinton administration. Several news sources have said that Obama offered Holder the job and he accepted. The announcement is not likely until after Obama announces his choices to lead the Treasury and State departments.

Holder, 57, has been on Obama’s “short list” for attorney general. Eric is a partner at the D.C. law firm of Covington & Burling, Holder served as co-chief with Caroline Kennedy, of Obama’s vice-presidential selection process. He also actively campaigned for Obama throughout the year and grew personally close to the president-elect.

Interestingl, the two men, both tall and thin, each had immigrant fathers, went to Ivy Leagues schools (both attended Columbia College as undergraduates), played basketball, and, of course, believed passionately in public service. “We just clicked,” says Holder matter-of-factly. Holder says he immediately sensed Obama’s talent. And despite the 10 years that separated them, he found someone who thought similarly about race. “I think we share a worldview,” he says. “[Obama] is not defined by his race. He’s proud of it, cognizant of the pernicious effect that race has had in our history but not defined by it.”

Obama is proving to be no slow-poke at setting up his administration and with the economic and international climate as it is, it’s no wonder he’s moving fast!



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How to Compare 0 Apr Credit Cards


Eric Wasselman asked:


Not all 0 APR credit cards are equal. Actually, in the long run, 0 APR credit cards can turn out to be pretty expensive. Most of these cards offer this low rate for a short period of time, usually for six months to twelve months. Once the introductory period is up, the rate goes up. Based on this, be sure to find out if the APR rates that will chip in after the introductory period is a fixed rate or not. A fixed rate APR will remain the same, while one that isn’t will change over time.

To make a decision on a 0 APR credit card, you need to compare the following:

• The introductory period for which the 0 APR runs

• The regular APR after the introductory period ends

• What are the annual fees applied to the card

• If you are able to transfer balances, and

• The type of credit rating you need to apply for and receive a 0 APR credit card.

The grace period before any penalties are applied to your 0 APR card should be taken into account when comparing different credit cards. Some 0 APR cards attract higher interest if bill is unpaid beyond the grace period.

Another feature that should be compared is the fees that are attached to your card, since these can really add up and your 0 APR will mean nothing.

You will also want to see what other member’s benefits you get with this card before making a final decision. For instance, if you are the type of credit card holder who does not pays off your balance each month, a 0 APR credit card may be just the thing for you.



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