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Author Archives: Research Department

Netcom PaySystem to Process High Risk Merchant Payments

Denver, Colorado, 1912. Shows 1629 Stout - installment clothing for ladies, men & children. Painted sign on building states "Clothing on easy payments"

Netcom PaySystem is pleased to announce the next generation of High-Risk Merchant Processing with the launch of their newest website, netcomhighriskmerchants.com Los Angeles, CA (PRWEB) February 27, 2015 Netcom PaySystem, a well-known provider in the merchant payment service industry, is pleased to announce the launch of their newest website, netcomhighriskmerchants.com. With this move Netcom PaySystem has taken the next step ... Read More »

    Sound Advice for Protecting and Managing Your Money

    Money and book

    Beloit, Wisconsin (PRWEB) February 27, 2015 In recognition of National Consumer Protection Week, March 1-7, First National Bank and Trust (FNBT) is partnering with the American Bankers Association to highlight personal finance resources and urge customers to take an active role in managing and protecting their money.     “We implement numerous safeguards to protect our customers’ money and information, and we ... Read More »

      My Son Isn’t Going to College. What Happens to All the Money I Saved?

      frootloops

      Q. My son is turning 18 and I’ve saved more than $ 200,000 for him for college. He doesn’t want to go. Some of the money is in UTMAs, some in a 529 Plan and some in savings bonds. I don’t want him to live off the money and not get a job. Help! A. Bet that threw you for ... Read More »

        Discover’s New Travel Rewards Credit Card: How Does It Stack Up?

        Credit cards

        Can you earn rewards “miles” without stepping on an airplane, or using an airline’s credit card? Several major credit card issuers are hoping that you will want to, and they’re offering rewards cards that offer miles not associated with any airline. To join this increasingly competitive segment of the market, Discover has just announced the release of its Discover it Miles card that ... Read More »

          How Men and Women Do Saving and Splurging Differently

          2015-02-26-FinancialDNA_Charticle2-thumb

          He spends, she spends! When it comes to gender and money, there’s no shortage of stats on how the sexes stack up. But while you’re probably used to hearing those differences dissected in discussions of salaries and pay inequality, it turns out there’s a bit more to it; gender plays a role in a whole range of everyday money matters. Case ... Read More »

            The 4 Things Kids Need to Know About Money

            2015-02-23-KidsHappyMoney-thumb

            One of the direct results of my time working as an accountant was the realization that money habits, good or bad, start young. It didn’t take long, after I brought a sweet bundle-of-joy home for the first time, for me to start planning her financial education. I wanted her to see money as a tool, something to use carefully and ... Read More »

              Can My Credit Card Company Raise My Interest Rate?

              credit card verification

              The recent announcement from American Express that it will raise interest rates for more than 1 million cardholders has a lot of people asking questions, like how this change will affect them or whether or not this could be the start of an industry-wide trend. It’s been a while since credit card issuers were in the headlines for rate hikes ... Read More »

                Law Enforcement and Non-Profits Meet to Halt Scams Targeting Specific Groups of Americans

                Big Scam Dog

                The Justice Department announced today the enhanced collaborations its law enforcement and community partners are taking to stem the tide of fraud schemes directed at certain groups of Americans.  On Wednesday, high ranking officials of the department, the Federal Trade Commission (FTC), the U.S. Postal Inspection Service (USPIS) and non-profit community groups met to discuss an increase in fraud schemes ... Read More »

                  What’s the Best Way to Consolidate Debt?

                  Debt Consolidation Loan Approved Stamp Shows Consolidated Loans Agreed

                  By Jocelyn Baird, NextAdvisor.com We are a nation of people in debt, and it doesn’t seem to be getting any better. According to data released by the Federal Reserve this February, Americans’ revolving, non-mortgage credit increased in December 2014 to $ 3.3 trillion — while non-revolving credit (such as student and auto loans) rose to $ 2.42 trillion, as reported ... Read More »

                    Identity Theft Tops FTC’s Consumer Complaint Categories Again in 2014

                    ID Theft or Stolen Identity

                    Agency Also Notes a Large Increase in Complaints About “Imposter” Scams Identity theft topped the Federal Trade Commission’s national ranking of consumer complaints for the 15th consecutive year, while the agency also recorded a large increase in the number of complaints about so-called “imposter” scams, according to the FTC’s 2014 Consumer Sentinel Network Data Book, which was released today. Imposter ... Read More »

                      Help! Someone Used My Kid’s Identity to Get a Bigger Tax Refund

                      Strangest-Taxes-and-Deductions1

                      Filing your taxes should trigger a feeling of relief — it’s a huge thing you get to scratch off your to-do list — but millions of taxpayers have submitted their taxes only to have a very unpleasant experience: that their Social Security number has already been used in a tax filing. Most people discover this when attempting to file their ... Read More »

                        The Weirdest Excuses People Give for Not Paying Their Bills on Time

                        Financing a budget

                        A few weeks ago, an acquaintance asked me about my job, and upon hearing that I write about budgets and credit cards (and such), she had something she wanted to share. She doesn’t like to pay her credit card bills on time, she told me, because it makes her nervous to see her bank balance dip so low afterward. People ... Read More »

                          Should You Ever Take Out More Student Loan Money Than You Need?

                          Student Loan Corkboard Concept

                          If you want to pursue a higher education, you have a lot of questions to answer: What degree do you want? Which school will you attend? How long will it take to finish? How much money do you need to borrow? That last question is complicated. Not everyone needs student loans to get a degree, but many need to borrow ... Read More »

                            Help! I Just Bought a New Car, Then Was Denied for the Loan

                            Unless you are on fire, taking a day or two before you take action isn't going to change anything.

                            Ivory, one of our readers, bought a car at a dealership and drove it home. Fifteen days later, she received a letter saying that the loan had been denied. Here’s her story: Me and my mom were approved for an auto loan on 1/27 we signed all the paperwork even got the car payment bank notes in the mail. And ... Read More »

                              3 Ways to Protect Your Kids From ID Theft After Data Breaches

                              ID Theft or Stolen Identity

                              When a widespread data breach happens, children are often the most at risk for identity theft. Their clean credit histories make them targets for identity thieves to steal information and open new lines of credit. After the Anthem data breach, millions of children in the U.S. had their personal information exposed, making them vulnerable to identity theft. As children are ... Read More »

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