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SOURCE: Bills.com Aug 23, 2010 08:06 ET SAN MATEO, CA–(Marketwire – August 23, 2010) – As of this weekend, an additional set of new regulations from the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act became law. Like previous changes, these new rules are designed to protect consumers by adding clarity and transparency to interactions between card issuers and holders. However, as these new rules take away revenue opportunities for card companies, issuers are raising other fees or creating new ones to compensate. Money resource Bills.com cautions consumers to be aware of the new rules and also learn how to avoid new fees. “Unfortunately, one of the unintended consequences of these new regulations is that consumers must be more vigilant than ever as we enter a period of uncertainty surrounding fees and services,” said Ethan Ewing, president of Bills.com. “These actions by most card issuers are perfectly legal, but they are certainly outside the spirit of the new law.” The first rounds of changes brought on by the Credit CARD Act required issuers to provide more notice about interest rate increases to consumers, ended controversial practices such as inactivity fees, and required more transparent communication around payment windows and information. Changes in the Law The final set of changes that took effect on August 22nd, 2010 include:

• Maximum limit on late fee penalties of $25 or no more than your minimum payment due. the one exception allows for high penalties if the cardholder has multiple late payments within the past six months.
• Limiting penalties to one charge per issue. For example, the issuer cannot charge an additional penalty for each day a payment is late.
• Any increase in interest rates must be accompanied by a clear explanation for the reason behind the increase.
• Issuers must re-evaluate any interest rate increase six months after it is instituted to determine if there is cause to revoke the increase.
• The official end to inactivity fees so that issuers can no longer charge for not using a credit card over a certain time period.

Consequences of Changes As card issuers have realized diminished revenue from some of these changes they have begun to identify workarounds or even new fees to supplement their losses. the most straightforward example of these changes is a rise in annual fees by many card issuers. according to a report by Pew Charitable Trusts, the industry’s median annual fee on bank credit cards has jumped 18 percent between July 2009 and March 2010. Similarly, issuers have begun to raise balance transfer fees and foreign transaction fees, shorten billing cycles, and issue rebate cards that are exempt from the CARD Act to combat rate increases. Additionally, some issuers are skirting the ban on inactivity fees by raising annual fees but waiving or reducing them if cardholders meet an annual spending threshold. Solutions In order to avoid these fees, personal money resource Bills.

com shared six strategies consumers can employ to better avoid additional charges that have arisen because of changes outlined in the Credit CARD Act. 1. Monitor your communications from your credit card issuer. One of the best ways to stay abreast of changes specific to your cards or situation is to closely monitor information sent from your issuer. New regulations require much greater disclosure on all changes, so any update will be sent to your attention. be alert for all mailings and read them carefully before throwing away or destroying. 2. Maintain prompt payment status with your credit card company. Despite all these changes, the simplest way to avoid fees is to pay your credit card bills on time. By missing or being late on a payment you will incur fees, potentially increase your interest rate, and lower your overall credit score. 3. Pay down high balances to improve credit card utilization. this will show that you can responsibly manage your credit limit, minimizing the chance of higher tiers of interest rates or reductions in credit limit. Additionally, better credit utilization will help boost your credit score. 4. Maintain activity on your credit card accounts. By using the revolving credit lines that you need or want to keep and promptly paying on them, you can help avoid cancellation of those credit card accounts. this will also help avoid faux inactivity fees and help boost your credit score, while having a long existing credit line closed could lower your score. 5. Avoid over-limit fees through responsible spending habits. Credit card issuers have begun to charge fees for opt-in over-limit coverage. By remaining aware of credit limits and balances, consumers can avoid a need for this service and these fees altogether. 6. New regulations do not apply to corporate or small business cards. this means some small business owners might consider using personal cards for business expenses because of fee and rate limitations. However, these owners should remain cautious because their personal credit scores could suffer in the event of missed payments or defaults. Conversely, be aware of companies that are increasing solicitations for corporate card members to avoid new regulations. For more information about credit cards, the best ways to utilize your credit, and how to protect yourself from unexpected fees and increased rates, please visit the Bills.com Credit Card Resource Center. About Bills.com Bills.com is the leading resource for free and personalized money help. Founded by a group of financial experts dedicated to helping consumers save time, money and stress, Bills.com is designed to give consumers confidence in making money decisions. the site offers useful information, powerful tools, and real money experts to give consumers the information they need in the way that they want it. Click here to see all recent news from this company Bills.com Outlines Six Strategies to Help Consumers Avoid New Credit Card Fees

I work for a large company at a call center. We take and process calls from employees and private citizens reporting malfunctioning equipment. IP work a 12 hour shift on what they call a "Texas Two Step" schedule. This means that I work a 2 week rotating schedule. If I work on Mon and Tue one week then the next week I have Mon and Tue off. Same with 3 day weekends (Fri, Sat, Sun). We are required to follow specific instructions to process a call and can be disciplined if the exact procedure (flow chart) is not followed. There are several policies in place that I am questioning. This following has been Copied and pasted. The Supervisors log all vacation, holiday, sick, tardy, and other times a Controller is absent from work. Tardiness 1. If you are late, (tardy) for your shift start, your Supervisor will log the date, amount of time, and reason. 2. If the amount of time is small you may be allowed to work late to make it up. 3. If the amount of time is several hours you will be charged vacation or holiday time for it in the same manner as running out of sick time. 4. If you are tardy several times and unable to make up the time by working late and the amount of time reaches ½ day you will be charged vacation or holiday time for it. 5. If the Controller has no vacation or holiday time remaining then the absence will be unpaid 6. Remember chronic and excessive tardiness reflect poorly on your time management skills. Chronic tardiness can not only jeopardize your PMP evaluation but could also jeopardize your continued employment with the [company]. 7. Tardiness disrupts the operations of the Support Center, placing undue added work and stress on your colleges. Early Quits 1. In the event a Controller must leave early or be absent a short period of time for an unexpected reason not due to illness. The amount of time will be logged by the Supervisors and handled in the same manner described for handling tardiness time. 2. Requests to leave early for planned events will not be allowed. If it is a planned event schedule holiday or vacation time. Or swap shifts with another Controller, but remember you are responsible to insure that your absence from the desk during your assigned time is covered. end of copied text Every employee that is under the scope of this "Manual" is an exempt employee. Time sheets are maintained and I have personally been verbally counseled about what time I am logging in to my station (it is tracked electronically) even though all the times were before my actual start time of 1800 but after the required "15 minutes prior to the start of your shift".

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2.Peripheral equipment such as a printer connects via a cable to a __.on the system unit? a.switch b.port c.plug d.box 3.Processing is the computer's use of the data either through arithmetic or comparison operations. a.true b.false 4.What makes it unnecessary to press the ENTER key on the keyboard at the end of very typed line a.line wrap b.new line c.next line d.word wrap 5.Which of the following storage devices uses laser beams to read and write? a.cd drive b.hard drive c.floppy disk drive d.tape drive 6.Which of the following is the primary permanent storage device? a.dvd drive b.floppy disk driver c.hard drive d.tape drive 7.Which type of chip retains data even when the computer is off? a.BUS b.RAM c.ROM d.VGA 8.Which type of software includes the operating system and system utilities? a.application software b.database software c.presentation software d.system software 9.Which utility keeps track of where your documents, spreadsheets, and presentations reside? a..backup b.compression c.file management d.scan disk 10.which of the following operating systems uses a command line interface? a.DOS b.MAC c.UNIX d.both a and c 11.which type of application would you use if you want to create a budget? a.database b.text editor c.presentation d.spreadsheet 12.what is the name for the intersection of a row and column in a spreadsheet? a.box b.cell c.intersection d.none of the above 13.another name for the spreadsheet is an Electronic ledger. a.true b.false 14.which of the following is not a reason for using a spreadsheet? A.keeping track of your grades B.creating a presentation C.creating a formulas to perform calculations D.keeping track of employees' hours worked 15.what feature enables you to display a graphical representation of data in a spreadsheet? a.chart b.drawing c.database d.flow chart 16.which type of application would you use to store data in an organized manner using fields and records? a.database b.presentation c.spreadsheet d.word processing 17.what is the smallest unit of data in a database? a.cell b.field c.record d.tables 18.how many tables are in a relational database? a.2 or more b.only 1 c.at least 3 d.at least 5 19.which type of application should you use to create a multi-media file that conveys an idea or concept to use when giving a speech? a.word processing b.database c.presentation d.spreadsheet 20.you can organize information in any format you want using A.word processing and spreadsheet applications B.database and presentation applications C.both a and b D.neither a nor b 21.which device must the computer connect to in order to use dialup to access the internet? a.ethernet b.keyboard c.mouse d.modem 22.all information you retrieve from the internet is valid. a.true b.false 23.what software must you have to connect to a search engine on the internet? a.database b.presentation c.spreadsheet d.web browser 24.computer designs have to evaluate the ___ effects of their products on people. a.emotional b.lasting c.mental d.physical

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This is the first Assignment please post a sample proposal like this plzzz listen..... this is a sample template you need to creat your own DELIVERABLE #01: Proposal of project (Follow the given template of proposal) I. Proposal Template 1. Abstract: (In paragraph form) a. Which product or service you have selected for online business? b. Why do you want to do your business online? c. Your website is product focus or customer service focus d. Importance of online business e. Potential benefits that you would drive from this kind of business. 2. Preliminary Problem Statement and Solution a. Problem description b. Solution 3. Feasibility Study a. Budget b. Resources 4. Cost of project a. Direct Cost i. Requirement Specification Cost ii. Design cost iii. Development Cost iv. Hosting Cost v. Maintenance Cost b. Indirect Cost i. Other than above cost 5. Cost and Benefit Analysis (CBA) a. Give a proper weightage to each benefit b. Benefits should be more than cost then it is feasible to more further 6. Payback Period a. Initial investment/ Cash flows 7. Human Resources a. Outsourcing of the project b. In house development (it is appreciated) i. Human Resources like Designer, Developer etc 8. Impact on the business 9. Time Frame a. Start and End date of the project b. GANTT Chart using Microsoft Project Management c. PERT chart with CPM (optional) d. Schedule for Project regarding tasks distribution (Post .jpeg image) 10. Support services / Dependencies a. Internet connection Type b. Computer systems Specification (optional) c. What type of Networking Equipment is required? (optional) d. What type of skill Training is required for Employees? 11. Conclusion (Summary / Rationale)

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