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Independent Business Trade Magazine COVER Page

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Making Sense of Credit Card Fees
In addition to the APR (annual percentage rate) and the finance charges, most credit cards have a number of 'fees' associated with their use. Some fees are unavoidable with a particular card (like an annual fee or a program participation fee), while others are triggered by certain circumstances. The most common fees are listed below.

What the Heck is a Campaign and Why Do I Need to Do One?
Why Some Companies Do Better Than Others

Annuities
Those with fixed incomes or living on their retirement savings are often looking for a safe, low risk place to invest their money. They will often turn to annuities, which are sold through insurance companies.


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Independent Business Trade Magazine COVER PAGE Issue V-1279


Independent Business Trade Magazine COVER Page

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