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 Following success on credit card default charges - OFT turns attention to bank current accounts (Government News Network) - In response to the OFT's statement of principles on the calculation of credit card default charges, credit card issuers have agreed to reduce their default charges - the majority by almost half.. ON PERSONAL FINANCE You may need to have credit to get credit (Republican American) - Q. My 21-year-old son has repeatedly been denied a credit card because he does not have a credit history. What should he do? A. It's a chicken-or-egg problem -- you must have had credit to get it.. Torrington a city of savers Area cracks Top 5 in America nest-egg index (Republican American) - TORRINGTON -- When it comes to saving money and investing wisely, city residents are among the best in the nation, according to a report published Wednesday.. Salinas in top 500 for savings (Salinas Californian) - When it comes to saving and investment habits, Salinas is among the top 500 communities in the nation, according to a report released Wednesday. A.G. Edwards, a financial investment firm based in St. Louis, ranked Salinas at No. 231 in its annual "Nest Egg Index" report.. Study: Consumers in Tier don't save or invest enough (Press & Sun-Bulletin) - Binghamton-area consumers spend too much and don't save and invest enough, according to a study released this week. The metropolitan region ranks No. 430 out of 500 U.S. markets when it comes to personal savings and investing behavior, according to the second annual A.G. Edwards Nest Egg Index.. Study rates Toledo low in saving for retirement (The Toledo Blade) - Toledoans aren't feathering their nests for retirement, especially compared with residents of smaller communities in northwest Ohio and southeast Michigan.. H&R Block To Offer Bank Accounts (WSB-TV 2 Atlanta) - H&R Block, best known for its tax preparation services, is expanding into banking.. Gold Coast shines at savings (Connecticut Post) - The Bridgeport area isn't only home to the nation's highest per capita income but also to a lot of savers.. Dining Guide (The Times of Northwest Indiana) - A gem of a restaurant in the Hyde Park area with straightforward, beautifully presented French dishes at both lunch and dinner. In the past, appetizers have included horseradish chive cream sautéed sea scallops with crimson Swiss chard, and seared foie gras with roasted pears.. City No. 4 on list of frugal towns (Torrington Register Citizen) - By KARSTEN STRAUSS Register Citizen Staff TORRINGTON - The city found itself No. 4 on a list released this week of the United States' 500 most frugal and fiscally responsible towns..