North Pole Reindeer
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 DEPT 56 North Pole Series REINDEER FLYING FEED STORE 799919 New in Box $49.95 Time Remaining: 29d 19h 13m Buy It Now for only: $49.95 |
 Dept 56 North Pole Reindeer Flight School NIB $24.99 (1 Bid) Time Remaining: 6h 22m |
 Dept 56 North Pole The Reindeer Stables Rudolph Red Nose Reindeer 2012 $83.70 Time Remaining: 19d 19h 45m Buy It Now for only: $83.70 |
 Dept 56 NIB REINDEER BARN 5801 4 North Pole Series NP $45.99 Time Remaining: 29d 2h 26m Buy It Now for only: $45.99 |
 Dept 56 North Pole Reindeer Spa $60.00 Time Remaining: 11d 20h 45m Buy It Now for only: $60.00 |
 Dept 56 North Pole BLITZEN Santa 8 Reindeer NEW $17.50 Time Remaining: 16d 21h 15m Buy It Now for only: $17.50 |
 DEPT 56 NORTH POLE THE REINDEER STABLES RUDOLPH BRAND NEW FOR 2012 $90.00 Time Remaining: 19d 5h 18m Buy It Now for only: $90.00 |
 NORTH POLE THE REINDEER STABLES PRANCER VIXON NRFB $12.61 (3 Bids) Time Remaining: 17h 36m |
 D 56 North Pole THE REINDEER STABLES DONDER BLITZEN $50.95 Time Remaining: 6d 22h 20m Buy It Now for only: $50.95 |
 Dept 56 North Pole The Reindeer Stables Dasher Dancer NEW IN BOX $44.00 Time Remaining: 12d 19h 9m Buy It Now for only: $44.00 |
 KSA Gold Glitter Reindeer Ornament Darling $4.95 Time Remaining: 21d 21h 41m Buy It Now for only: $4.95 |
 Dept 56 NP Blitzen Reindeer BRAND NEW 2011 Free Shipping $22.29 Time Remaining: 5d 16h 46m Buy It Now for only: $22.29 |
 North Pole Reindeer Stables Comet Cupid 805548 $84.95 Time Remaining: 24d 14h 34m Buy It Now for only: $84.95 |
 NORTH POLE THE REINDEER STABLES DASHER DANCER NRFB RETIRED $11.05 (2 Bids) Time Remaining: 17h 37m |
 Reindeer Games Dept 56 North Pole D56 NP $110.00 Time Remaining: 28d 1h 21m Buy It Now for only: $110.00 |
 DEPT 56 NORTH POLE REINDEER FLYING FEED STORE $69.97 Time Remaining: 1d 22h 41m Buy It Now for only: $69.97 |
 Dept 56 809360 North Pole Bldg THE REINDEER STABLES DONDER BLITZEN 4th Series $58.00 Time Remaining: 13d 1h 21m Buy It Now for only: $58.00 |
 North Pole Reindeer Stables Donder Blitzen 809360 $84.95 Time Remaining: 23d 22h 34m Buy It Now for only: $84.95 |
 Dept 56 North Pole THE REINDEER STABLES PRANCER VIXEN 85 $56.95 Time Remaining: 24d 21h 58m Buy It Now for only: $56.95 |
 Dept 56 Santas Reindeer Rides North Pole Series Item 56748 RETIRED $30.00 Time Remaining: 18h 7m Buy It Now for only: $45.00 |
 Department 56 North Pole Village Sleigh and 8 Eight Tiny Reindeer New $28.50 Time Remaining: 22d 15h 17m Buy It Now for only: $28.50 |
 Dept 56 805548 the Reindeer StablesComet Cupid $69.95 Time Remaining: 21h 1m Buy It Now for only: $69.95 |
 DEPT 56 SLEIGH EIGHT TINY REINDEER 56111 RETIRED NORTH POLE VILLAGE MIB $19.94 Time Remaining: 17d 33m Buy It Now for only: $19.94 |
 Dept 56 North Pole Reindeer Flying Feed Store 799919 $74.95 Time Remaining: 4d 21h 24m Buy It Now for only: $74.95 |
 Dept 56 North Pole REINDEER STABLES DONDER BLITXEN $85.00 Time Remaining: 26d 18h 17m Buy It Now for only: $85.00 |
 Dept 56 North Pole The Reindeer Stables Comet Cupid $74.95 Time Remaining: 21d 5h 36m Buy It Now for only: $74.95 |
 Dept 56 Reindeer Barn North Pole Series Item 56015 RETIRED $30.00 Time Remaining: 18h 10m Buy It Now for only: $45.00 |
 DEPT 56 NORTH POLE 2012 THE REINDEER STABLES RUDOLPH $90.00 Time Remaining: 14d 19h 37m Buy It Now for only: $90.00 |
 Dept 56 Christmas North Pole Village Rudolph Reindeer Stables New 2012 MIB $84.00 Time Remaining: 12d 21h 53m Buy It Now for only: $84.00 |
 Dept 56 North Pole Reindeer Training Camp 56436 Free Shipping $34.95 Time Remaining: 26d 18h 24m Buy It Now for only: $34.95 |
 Dept 56 North Pole Reindeer Flying Feed Store $68.00 Time Remaining: 6d 13h 2m Buy It Now for only: $68.00 |
 Dept 56 North Pole Reindeer Stables Dasher Dancer 799999 $84.95 Time Remaining: 15d 11h Buy It Now for only: $84.95 |
 DEPT 56 REINDEER FLIGHT SCHOOL $39.99 Time Remaining: 1d 3h 15m |
 DEPT 56 NORTH POLE REINDEER BARN RETIRED EDITION MIB NRFB $41.99 Time Remaining: 20d 8h 43m Buy It Now for only: $41.99 |
 Dept 56 North Pole Reindeer Stables Dasher Dancer $72.99 Time Remaining: 16d 15h 31m Buy It Now for only: $72.99 |
 Department 56 North Pole The Reindeer Stables Donder Blitzen New $54.50 Time Remaining: 6d 2h 53m Buy It Now for only: $54.50 |
 Dept 56 North Pole THE REINDEER STABLES DASHER DANCER $85.00 Time Remaining: 26d 18h 17m Buy It Now for only: $85.00 |
 Dept 56 North Pole THE REINDEER STABLES COMET CUPID New $63.95 Time Remaining: 12d 21h 34m Buy It Now for only: $63.95 |
 Reindeer Barn Retired North Pole Series Department 56 Collectible $35.00 Time Remaining: 1d 22h 21m |
 Dept 56 North Pole Reindeer Stables Comet Cupid 2010 $79.04 Time Remaining: 16d 1h 53m Buy It Now for only: $79.04 |
 Dept 56 North Pole Reindeer Stables Dunder Blitzen 2011 $79.04 Time Remaining: 16d 15h 31m Buy It Now for only: $79.04 |
 Dept 56 NP Cupid Reindeer BRAND NEW Free Shipping $24.95 Time Remaining: 18d 15h 44m Buy It Now for only: $24.95 |
 Dept 56 North Pole Santas Reindeer Rides Set 6 56748 $69.95 Time Remaining: 24d 13h 5m Buy It Now for only: $69.95 |
 Dept 56 North Pole Reindeer Flight School $40.00 Time Remaining: 7d 18h 47m Buy It Now for only: $40.00 |
 Dept 56 North Pole Rudolph Reindeer Games Animated $54.50 Time Remaining: 2d 22h 52m Buy It Now for only: $59.99 |
 Dept 56 North Pole Reindeer Barn 56014 $18.50 Time Remaining: 28d 2m Buy It Now for only: $18.50 |
 Department 56 North Pole The Reindeer Stables Prancer Vixen New $62.50 Time Remaining: 6d 2h 51m Buy It Now for only: $62.50 |
 Dept56 North Pole Village Reindeer Stables Comet Cupid 805548 MIB New $78.88 Time Remaining: 6d 18h 57m Buy It Now for only: $78.88 |
 DEPT 56 DANCER REINDEER NORTH POLE NEW IN BOX FREE $28.34 Time Remaining: 19d 14h 37m Buy It Now for only: $28.34 |
 Dept 56 VILLAGE Figurine LITE HOUSE North Pole REINDEER STABLES Donder Blitzen $85.00 Time Remaining: 13d 6h 33m Buy It Now for only: $85.00 |
 DEPT 56 NORTH POLE SERIES SANTAS REINDEER RIDES HOLIDAY SET ORIGINAL BOX $49.95 Time Remaining: 25d 18h 4m Buy It Now for only: $49.95 |
 Dept 56 North Pole Santas Rotating Reindeer Rides Gift Set NIB $44.99 (7 Bids) Time Remaining: 3d 2h 20m |
 Dept 56 NP Donder Reindeer BRAND NEW 2011 Free Shipping $21.95 Time Remaining: 18d 15h 45m Buy It Now for only: $21.95 |
 Dept 56 North Pole Sleigh Eight Tiny Reindeer 56111 Y26 $24.99 Time Remaining: 21d 3h 8m Buy It Now for only: $24.99 |
 D56 North Pole Reindeer Stables Comet Cupid $85.00 Time Remaining: 25d 23h 5m Buy It Now for only: $85.00 |
 VINTAGE MUSICAL REINDEER SLEIGH AND SANTA BY HAPPYMADE IN TAIWAN $19.99 Time Remaining: 6d 2h 42m Buy It Now for only: $19.99 |
 Dept 56 North Pole Santas Reindeer Rides 56748 MIB $50.11 Time Remaining: 28d 15h 31m Buy It Now for only: $50.11 |
 Department 56 North Pole Series Reindeer Barn $20.00 Time Remaining: 3d 22h 19m Buy It Now for only: $40.00 |
 DEPT 56 NORTH POLE REINDEER STABLES DASHER DANCER NEW $69.97 Time Remaining: 1d 22h 41m Buy It Now for only: $69.97 |
 Dept 56 NP Reindeer Stables Donder Blitzen NEW 2011 Free Shipping $62.79 Time Remaining: 11d 2h 8m Buy It Now for only: $62.79 |
 Dept 56 North Pole CUPID Santa 6 Reindeer NEW $17.50 Time Remaining: 28d 23h 1m Buy It Now for only: $17.50 |
 DEPT 56 NORTH POLE REINDEER STABLES PRANCER VIXEN $69.97 Time Remaining: 1d 22h 41m Buy It Now for only: $69.97 |
 DEPT 56 NORTH POLE REINDEER SPA NEW $89.97 Time Remaining: 1d 22h 41m Buy It Now for only: $89.97 |
 DEPT 56RUDOLPH REINDEER GAMES NORTH POLE SERIES RETIRED ORGINAL BOX NICE $26.00 (6 Bids) Time Remaining: 4d 14h 10m |
 Dept 56 SLEIGH EIGHT TINY REINDEER MIB Mint NP $34.50 Time Remaining: 27d 19h 9m Buy It Now for only: $34.50 |
 DEPT 56 NORTH POLE VILLAGE THE REINDEER STABLES DASHER DANCER NEW $84.99 Time Remaining: 3d 18h 25m Buy It Now for only: $84.99 |
 Dept 56 North Pole THE REINDEER STABLES RUDOLPH NEW FOR 2012 $90.00 Time Remaining: 14d 4h 58m Buy It Now for only: $90.00 |
 DEPT 56 NORTH POLE THE REINDEER STABLES DASHER DANCER NIB FREE SHIPPING $80.75 Time Remaining: 14d 5h 38m Buy It Now for only: $80.75 |
 Department 56 North Pole Series Reindeer Barn 1990 2000 $28.95 Time Remaining: 3d 1h 33m Buy It Now for only: $28.95 |
 Department 56 NP SLEIGH EIGHT TINY REINDEER Set of 5 NIB Ret 07 56111 $19.99 Time Remaining: 5d 18h 17m |
 Dept56 NP The Reindeer Stables Donder Blitzen NIB SAVE 20 $65.00 Time Remaining: 11d 6h 5m Buy It Now for only: $65.00 |
 Dept 56 North Pole Reindeer Barn 1990 $34.00 Time Remaining: 14d 17h 42m Buy It Now for only: $34.00 |
 Dept 56 North Pole REINDEER STABLES PRANCER VIXEN $85.00 Time Remaining: 3d 13m Buy It Now for only: $85.00 |
 Dept 56 North Pole PRANCER Santa 3 Reindeer NEW $17.50 Time Remaining: 27d 11h 29m Buy It Now for only: $17.50 |
 DEPT 56 NORTH POLE WELL DESERVED REINDEER MASSAGE NEW $25.97 Time Remaining: 2d 6h 18m Buy It Now for only: $25.97 |
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Santa’s Holiday Credit Woe’s From The North Pole
HO! HO! HO! HO!
OH! OH! OH! OH!
NO! NO! NO! NO!
This is Santa Claus here up to my eyes in debt, just got another letter in the mail from the credit card company telling me they want to increase my monthly rates. How am I going to pay of my credit cards and suppliers! I guess there will be no remodeling in the kitchen again this years. It is going to be another long winter of Ms. Claus complaining about our finances. Not sure if I can take it anymore!!!!! I have strong feeling that i will be sleeping with the Reindeer, well it wont be the first time this has happened…
Well if the credit card company increases my rates than that equals a increase in minimum payments. I was thinking about closing my credit cards, but one of elves in my factory told me when he tried to close one of his cards the company increased the revolving data ratio and the age of his credit file dropped. This two variables make 45% of credit scores, he told me.
I wasn’t sure what the importance of either the revolving data ratio or age of my credit file so I did a little research. The revolving data ratio is when credit is repeatedly available up to a specified amount as periodic repayments are made. The age of your credit file contains personal financial statements, credit applications, and comments by credit analysts, as well as the current status of the account, payment history, current balance, credit limit, and so on.
With both of these in free fall my credit score will drop faster than me going down a chimney on Christmas Eve!!!!!!
The I suddenly remembered hearing on the nightly news that President Obama signed a Credit Card Act in law. I got on the computer to see how this new legislation will effect me. The Credit Card Act will be issued in three phases, the first phase is in place now, but will not be fully implemented until the middle of next year. This Act addresses the issue of credit card fine print, fees, and staggering interest rate hikes etc.
This act will provide a strong and reliable protections for consumers. It will also provide forms and statements that credit card companies send out have to have plain language that is in plain sight. The goal is to make sure that people can shop for a credit card that meets their needs without fear of being taken advantage of. This is act gives more accountability in the system, so that we can hold those responsible who do engage in deceptive practices that hurt families and consumers.
But until the three phases are implemented, we all need be proactive about our current situation. My goal is to spread the credit repair process knowledge that I learned with everybody around the world.
We are off to Save Christmas!!!!!!!
About the Author
Mick Bernard is a Credit Consultant from Scottsdale, AZ. His company Credit Strategies is helping consumers clean up their credit nation wide. For more credit tips visit us at http://www.onlinecreditstrategies.com/blog/