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Author Archives: Research Department

The Moral Ill Effects of Teaching Economics

claim-children-taxes

One of the first experiments to test the hypothesis that teaching economics is debasing people’s morality was conducted by Gerald Marwell and Ruth E. Ames. They designed a game where participants were given an allotment of tokens to divide between a private account and a public fund. If every player invested all of their tokens in the public fund, they ... Read More »

    20 Easy Ways Facebook and Twitter Users Can Boost Their Credit

    millennials_credit

    According to a report published by Experian at the end of 2013, young adults aged 19 to 29 had an average credit score of 628 — more than 50 points lower than the national average and the lowest of all the age groups. If you’re a millennial, maybe you’re trying to avoid debt like the plague by staying away from credit cards. Or maybe you ... Read More »

      National Debt Relief Looks Into Common Excuses For Missing A Payment

      katvideo

      New York, NY (PRWEB) March 20, 2015 National Debt Relief recently shared in an article published March 7, 2015 some of the most common excuses consumers have when they miss out on their bill payments.The article titled “What’s Your Excuse For Not Paying A Bill On Time?” looks into these excuses and explains how it affects the consumer’s finances. The ... Read More »

        How to Protect Your Tax Refund From Being Stolen

        stolen-tax-refund

        According to the IRS, the average non-business taxpayer spends eight hours and $ 120 per year preparing his tax return. That’s a lot of time and money to invest in something you probably don’t want to do in the first place. Yet, there’s often a reward for your investment, as many taxpayers get some of their hard-earned money back with a tax ... Read More »

          How to Start Investing With Less Than $500

          invest-500-dollars

          There is a common belief that the best investment options require a lot of money to get started, but the reality is there are investments that allow you to start with as little as a $ 10 per month contribution, or a one-time deposit of $ 25. While saving for a comfortable retirement should be a top priority, there are ... Read More »

            3 Ways to Keep Your Debit Card Safe at the ATM

            tax-refund-or-bigger-paycheck

            When consumers use an ATM, the most they may worry about is forgetting to grab their debit card or the money out of the machine. However, with the increasing risk of fraud, you have more to fear as you may not notice ATM skimmers secretly working in the background. ATM skimmers, or devices that read and record credit and debit card ... Read More »

              10 States Where Foreclosure Is a Huge Problem

              home foreclosure legal document with house key

              Foreclosure activity in the U.S. declined 9.39% from February 2014 to February 2015, with one in every 1,295 housing units in some stage of foreclosure last month. That’s the lowest the national foreclosure rate has been since July 2006, according to RealtyTrac’s monthly report on the foreclosure market. The analysis looks at how many homes have a foreclosure filing — ... Read More »

                The Real Reason Student Loans Should Be Dischargeable in Bankruptcy

                Bankruptcy Road Sign

                President Obama got people thinking when he raised the possibility of discharging certain education loans in bankruptcy within the context of the executive action he signed last week — the one that’s intended to ensure unfettered access to government-sponsored relief programs and a means for registering complaints about unfair treatment. Not to be outdone, 13 U.S. Senators introduced the Fairness ... Read More »

                  6 Money Myths for Millennials to Stop Believing

                  shailene_woodley_kate_winslet1

                  Chances are you’ve fallen for at least one of them. We’re talking about money myths — those erroneous financial proclamations that get passed down from generation to generation as fact. You know, things like “buying in bulk is always better” and “buy low and sell high” when investing. But there’s a set of money misconceptions that seem to be plaguing ... Read More »

                    The New Proposal That Could Get Your Employer to Pay Your Student Loans

                    Student Loans Concept

                    A Colorado state representative proposed legislation that would give some employers tax credits for making student loan payments on behalf of some of their employees. The bill introduced by Rep. KC Becker (D-Boulder) could give qualified workers each up to $ 10,000 a year in student loan payments from their employers. The employer gets a tax credit equal to 50% ... Read More »

                      Kovels’ Top 10 Flea Market Tips

                      cheap

                      Springtime means flea markets, and the Kovels have shopped flea markets for years. April and May are good months for flea markets and shows. Vintage merchandise found over the winter is finally for sale, and dealers who saw slow sales in this winter of bad weather need cash to buy more. Here are Kovels’ Top 10 tips to help excited ... Read More »

                        Home Relief Foundation Defendants Barred from Selling Debt Relief Services

                        ftc

                        FTC Case Was Brought as Part of Multi-Agency Crackdown on Mortgage Relief Scams Austin, Texas-based Home Relief Foundation, Inc. and its two owners have settled Federal Trade Commission charges that they illegally charged up-front fees for services they falsely promised would reduce consumers’ mortgage interest rates or monthly payments. The settlement order prohibits the defendants from selling debt relief products ... Read More »

                          FTC Rules Jerk, LLC and John Fanning Deceived Consumers, Violated FTC Act

                          ftc

                          Order Requires Deletion of All Consumer Data, Prohibits Further Deception The Federal Trade Commission has granted summary decision against the operators of Jerk.com, a website that billed itself as “the anti-social network,” for deceiving users about the source of content on the website. The Commission found that the operators – Jerk, LLC (“Jerk”) and John Fanning – misled consumers by ... Read More »

                            Yikes! Woman Gets $153,000 Bill From Debt Collector

                            tough-rules-debt-collection

                            A Texas woman says she has been dealing with a debt collection fiasco for months, all because of a clerical error. The woman, identified in the local news report by only her first name, Yolanda, said she received a debt collection bill for $153,000 in September and has been struggling ever since to figure out why she’s being hounded for such ... Read More »

                              National Debt Relief Shares Tips In Dealing With A Big Debt Amount

                              debt1

                              Miami, FL (PRWEB) March 19, 2015 National Debt Relief recently shared in an article published March 7, 2015 how consumers can effectively deal and manage a big debt amount. The article, titled “Best Strategies When Dealing With A Big Debt Amount,” discuss some valuable tips to help people get over their financial burden of dealing with debt. The article starts ... Read More »

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