F-B-F.org -

Graduatesshould also look for cards offering a 0% introductory APR. Additionally,paying off balances in full can minimize extra fees and costs associatedwith consumer credit. Using the Internet, graduates can compare APRs andapply for a credit card online in minutes!Following these simple guidelines will help graduates avoid unnecessaryfinancial headaches and help them enjoy life outside the classroom.Congratulations to the Class of 2009!Permission is granted to reprint this release in part or in its entiretyas long as source credit is properly listed.About Informa Research Services, Inc. Scheduling a portion of each paycheck to be depositeddirectly into a retirement account will eliminate any temptation to slackon building a nest egg. Also, Informa Research Services suggestsparticipating in a 401k program frequently offered by employers.– Mind Your DebtCredit cards can be helpful in purchasing big ticket items, but graduatesshould be careful to only purchase what they know they can afford to payback.

It is important to remember that credit is not free money.According to Informa Research Services’ Interest Rate Review, the nationalaverage Platinum, non-reward credit card APR is 11.30%, with the highestAPRs topping out at near 25% (Source: Interest Rate Review). Start with a modest amount and increase it gradually based onindividual budgeting restraints.It may be difficult to think that far ahead, but graduates should rememberthat as much as one may love their profession, anyone who wishes to retireat some point in their life must start to build up their savings earlierrather than later. Some institutions even offer bonusinterest rates for scheduling this automatic part of your new savingsroutine. With the help of this app, there’s never anexcuse for going over budget, even while on the go!– Remember to Keep Looking ForwardHaving completed one chapter of their lives, graduates may feel like theyhave plenty of time to save for a house and retirement, but there’s noreason to wait! This is a great time to take advantage of the manyprograms various financial institutions are using to promote savings andhomeownership! For instance, many banks have programs in which variousfees are waived for scheduling direct deposits or automatic transfers froma checking to a savings account. Graduates should commence a savings plan assoon as possible.One easy way to track and manage finances is to check out various iPhoneapps (applications), such as the one from the popular online personalfinance site, Mint . This app allows users to check balances andmonitor spending instantly.

Eventhough student loans and credit card payments may be looming, saving evena little can add up over time. To help minimize thestress associated with this transition and set the stage for a brightfinancial future, Informa Research Services offers these tips to newgraduates ( http://, ):– Create a Budget and Plan to SaveWith a new job and income that may have been non-existent during school,it is important for new graduates to manage their money wisely. Fitch’s code ofconduct, confidentiality, conflicts of interest, affiliate firewall, complianceand other relevant policies and procedures are also available from the ‘Code ofConduct’ section of this site. Fitch Ratings, New YorkKaren Trebach, 212-908-0215Jenny Story, 212-908-0302orMedia Relations:Sandro Scenga, 212-908-0278Email: Copyright Business Wire 2009. CALABASAS, CA, Jul 02 (MARKET WIRE) — Graduating can be both exciting and stressful. Fitch’s rating definitions and the terms of use of such ratings are available onthe agency’s public site, Published ratings, criteria andmethodologies are available from this site, at all times.

Fitch expects to resolve the Negative Watch status of these classes over thenext few months. Furthermore, for underlying CMBS bonds not rated by Fitch, Fitch’s CDO ratingmethodology stipulates an input of the lower of the ratings assigned by eitherMoody’s or S&P Fitch does not rate 37.3% of the bonds in this transaction. Todate, the other rating agencies have taken significant negative rating actionson U.S CMBS transactions originated between 2006 through 2008. Effective today, Fitch has placed the following classes on Watch Negative: –$350,912,000 class A-1 ‘BBB’; –$68,929,000 class A-2 ‘BB+’; –Interest-only class X ‘BBB’; –$16,292,000 class B ‘BB+’; –$10,026,000 class C ‘BB’; –$3,133,000 class D ‘BB’; –$8,146,000 class E ‘BB; –$5,013,000 class F ‘BB’; –$6,266,000 class G ‘BB-’; –$8,146,000 class H ‘BB-’; –$4,386,000 class J ‘B+’; –$5,013,000 class K ‘B’; –$3,759,000 class L ‘B’; –$1,253,000 class M ‘B-’; –$1,253,000 class N ‘B-’; –$2,506,000 class P ‘B-’; –$1,253,000 class Q ‘B-’. Since that time, the magnitude of actualand expected rating downgrades of the underlying collateral has exceeded Fitch’sexpectation. Since Fitch’s last review, approximately 69.4% of the transaction’s collateralhas been downgraded or placed on Watch Negative. The Fitch derived weightedaverage rating of the collateral has fallen to ‘BB’ as of the May 29, 2009trustee report from ‘BBB’ at last review.