AECNU JV Partner News

Welcome to the AECNU Org JV Partner Newsletter

Greetings Friend, welcome to another edition of the AECNU JV Partners Newsletter :-)

Announcing news and events of interest to include information related to JV Partnerships and JV Partner Events

Bob writes in!

as usual and as most of our regular readers are aware ..... we spelled Bobs name backwards so nobody knows whom we are talking about :-) .....

I continue to LOVE your newsletter...what a break from "buy my shit!" emails that I get, and send myself every day! lol

I especially love your political commentary and articles - we live in a nation of sheep
and right or left, "most" people don't have a real clue about what's going on, or what's
really at stake here...

Anyway - just a quick note to thank you once again...I'm truly envious with your format and will probably copy it someday when I put my mind to it.  LOL    :-)

Keep up the good work!
Bob

********************

Thanks Bob! We want our newsletter to be different though it has ruffled feathers many times! We are not dissuaded :-)

Running a Promotion on Your Facebook Page May Cost You $10K

A Facebook Page can be a great way to build your fan-base, inspire engagement with customers/readers, and generally build upon your brand. However, if you want to do a promo on one, that'll cost you.

Facebook's policy dictates that one must get written approval from a Facebook account representative. In order to get one of those, you have to spend about ten grand advertising with the company, according to Eric Eldon at Inside Facebook.

Click here for Full Article

Another Giveaway Fraudster Busted

Bizarre as it may seem, some people want to try to commit fraud in Giveaways - unbelievable and pathetic.

The latest fraud - a person calling themselves Enairra Etnamas from the Philippines.

We have traced their IP to the Philippines and have blocked their entire IP block - 112.202.X.X

Email addresses used to attempt fraud:

cbtrax1016@gmail.com
websiteboss101@gmail.com
listoutlone@gmail.com
thewebsiteboss@gmail.com
cbtrax1020@gmail.com

We have also blocked them from our lists mailing lists though this is done by email address and not as effective as our IP block which enforces the block so they cannot view our web sites, email, or anything else on our servers.

As time goes on we get better at detecting fraud and those involved therein.

The worst part is the fraudsters are trying to cheat the hard working people in our events and us too - this will not be tolerated.

Saint Patrick's Day Giveaway - Hosted by AECNU - $200 Referral Contest

Launches on:     02/28/2010
Closing Doors:   03/31/2010

The Credit CARD Act of 2009
Understanding the effect of the new federal regulations

¹This legislation is more officially titled the Credit Card Accountability Responsibility and Disclosure Act of 2009, H.R. 627 of the 111th Congress of the United States.

Why was change needed?
For some time, there has been concern about a number of credit card practices that consumers find confusing. Especially in this difficult economic climate, lawmakers wanted to be sure consumers have a fair chance both to access credit and to repay the amounts they owe. Their solution, the Credit CARD Act of 2009, is a series of amendments to the Truth in Lending Act.

What are the benefits for cardholders?
The emphasis of this legislation is on clearer communication to consumers, simpler billing and payment practices, and more consistency regarding rate increases. While these changes won’t happen overnight, as time goes on you can expect to see:

• Restrictions on rate increases. Except for introductory rates, there can be no rate changes for the first 12 months an account is open; after that, you’ll get notice of rate increases at least 45 days before the change. In addition, APRs can be increased on existing balances only if your minimum payment is 60 or more days late.
• New rules for payment allocation. If you have balances with different interest rates, any amount paid over the minimum payment will be applied first to balances with the highest rates, so you can pay down your balance quicker by paying more than the minimum payment.
• Overlimit fee opt-in. Unless you agree (“opt in”) to allow charges to go over your credit limit, companies will not be able to charge overlimit fees. This could save you money in fees, but be aware that if you’re too close to your credit limit and you attempt to use your card to make a purchase, your card may be denied.
• More consistent payment due dates. Payments will be due the same day every month, and you will have more time to pay — at least twenty-one days from the time your statement is mailed until the minimum payment is due.
• More information on your statement. You will be able to see how long it would take to pay off your balance — and the total cost to you (including interest and principal) — if you paid only the minimum payment each month. You’ll also receive notices about late fees or penalty rates (if they apply), and a toll-free phone number where you can get information about credit counseling, if you need it.
• Easier access to your credit card agreement. Credit card issuers will post representative samples of credit card agreements online. If you need to refer to your own credit card agreement, you will be able to request it online, and a copy will be mailed to you. Be sure to refer to your own credit card agreement when verifying terms of your account.

Is there a downside?
These new regulations are designed to improve many aspects of the consumer credit card experience; however, they also limit the ability of credit card issuers to manage risk through pricing. As a result, people with good credit may have to pay more in order to enjoy the convenience and flexibility of credit. And if your credit history is poor, you may find it much harder to get credit.

What can we expect in the future?
It’s important to remember that most of these new provisions do not take effect until February 2010. In the meantime, be sure to:

• Manage your debt. Paying on time and keeping balances at a reasonable level is still the best way to avoid fees and minimize interest payments.
• Review your statements carefully. Keep close track of rates, fees, and due dates.
• Read all your mail. It may be a hassle, but this is not the time to miss seeing a change in terms from your credit card company. Since these companies are required to notify you every time a change occurs, you may receive several mailings from the same credit card company.

Although there is an overall deadline, the exact schedule for implementing each of these changes may vary from company to company. Ideally, this law will make it easier for you to understand your credit terms and manage your debt, while still allowing reasonable profits for credit card companies. If that happens, consumers, credit card companies and the economy will all benefit.

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