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Author Archives: Research Department

How to Save on Wedding Cakes

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So you’ve called a few bakeries about the cost of wedding cakes, and now there’s a shooting pain in your left arm and the walls are swirling. Fear not. There are cheaper ways. Baking It Yourself It’s tempting to say, “Well, I’m a good baker. Why not?” And if you have experience with wedding cake decorating, it’s doable. In fact, ... Read More »

    3 Ways Cognitive Bias Causes You to Spend Money

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    As a Dollar Stretcher reader, you probably know how distractions can help the retailers to slip their hands in your pocket without you even realizing. But what you perhaps didn’t know is retailers deliberately utilize some sneaky techniques to create such distractions. These are much more subtle than any noise or attention grabbing posters and created using the knowledge of ... Read More »

      New to Investing? Follow These 5 Guidelines

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      As a Millennial, I’m guessing you’ve been told countless times that you need to start investing. You’ve been told about the advantages of starting early and how you’ll be set-up for success just by starting. And that stuff is completely true. The problem is, no one ever told you exactly how to invest when you’re just starting out.  This post provides the 5 ... Read More »

        Use This Trick to Cut Your Mortgage in Half (Hint: There is No Trick)

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        We have all seen ads floating around the Internet that promise to let you in on a special secret that magically cuts your mortgage in half. The ads scream “Use this Trick to Cut Your Mortgage in Half” or “This Mortgage Secret has Banks on Edge — Will Save You Thousands” or how about “This Obama Program Takes 15 Years ... Read More »

          Is Debt Settlement Ethical?

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          Hello, I wonder if on your site you have a discussion of the ethics of debt settlement or have seen a balanced discussion somewhere else online? I know that’s incredibly vague, but surely you’ve thought about it after all this time talking with people in debt. When is settlement a just, morally responsible response to an impossible situation versus an ... Read More »

            Mortgage Moves: Where will you start?

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            Mar 14 2016 By Erica Kritt What do you see when you picture your dream home? Is it a 100-year old farmhouse in the country, a converted warehouse with views of a bustling city, a townhouse close to shops and public transportation, or maybe a house with an open floorplan and a big yard on a quiet suburban cul-de-sac? No ... Read More »

              I Works Billing Scheme Defendant Agrees to Settle FTC Charges

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              One of the defendants in the IWorks scheme that allegedly took more than $280 million from consumers via deceptive “trial” memberships for bogus government-grant and money-making schemes has agreed to settle Federal Trade Commission charges. Loyd Johnston, along with Jeremy Johnson and nine others, were named in a complaint the FTC filed against the operation in December 2010. The court ... Read More »

                From the UK: County Court Judgment’s: How They Are Issued and Resolving Them

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                An interesting study was recently conducted by OnePoll which showed that in the past five (5) years, almost one in 10 adults admitted to having a CCJ or County Court Judgment issued against them. A CCJis where a creditor or someone you owe money to, takes you to court to have a judge issue a judgment order against you. The ... Read More »

                  Small Business Tips: Improve Your Cash Flow

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                  Cash Flow can make or break any business, be it a large, medium or small business. At times it can seem like ample cash is flowing into your business, but by the next quarter, that wellspring may have dried up. And during those lean weeks (or months), bills are still due and creditors and vendors are awaiting payment. For smaller ... Read More »

                    My Life Didn’t Turn Out Like My Student Loans Wanted

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                    Question: Dear Steve, I attended a private college and felt super confident I’d have no issues finding a job after college with an AA, because of everything I was told at the school. I had a difficult time finding a job, I had to return to my old job, which had NOTHING to do with my degree. I then learned ... Read More »

                      FTC Action Leads to Court Orders Against Scheme That Charged Millions of Dollars to Consumers’ Bank and Credit Card Accounts Without Their Consent

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                      At the Federal Trade Commission’s request, a federal district court has banned seven individuals, Ideal Financial Solutions Inc., and its subsidiaries from collecting or disclosing consumer information. Until the FTC filed its lawsuit in 2013, the defendants operated a massive scam that took money from consumers’ bank accounts without their authorization. “These defendants bought sensitive personal information from data brokers ... Read More »

                        Ugly Food 101

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                        When we hear someone mention a certain food, our brain has already attached that particular food with a preset image. For instance, you hear a coworker say they’re buying some apples on their way home. What picture immediately pops into your head? It’s highly likely you’re envisioning a perfectly-shaped, red apple, maybe a Gala or a Fuji? Or maybe you ... Read More »

                          Undue Hardship Test Passed With Flying Colors to Eliminate Student Loans

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                          UNDUE HARDSHIP TEST PASSED WITH FLYING COLORS – STUDENT’S STUDY AND PREPARATION PAID OFF! PASSING THE TEST OF UNDUE HARDSHIP-FINAL EXAM Last week I declared my victory of winning a full discharge of nearly $130,000.00 without a trial, and completely without a fight from the Department of Education – Let’s see how! There is a test to pass have you ... Read More »

                            Small Business Tips: Improve Your Cash Flow

                            get out of debt

                            Cash Flow can make or break any business, be it a large, medium or small business. At times it can seem like ample cash is flowing into your business, but by the next quarter, that wellspring may have dried up. And during those lean weeks (or months), bills are still due and creditors and vendors are awaiting payment. For smaller ... Read More »

                              Mo Money Tax Return Preparers Plead Guilty to Conspiracy to Defraud the United States and Filing False Tax Returns

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                              Two tax return preparers pleaded guilty to one count of conspiracy to defraud the United States and one count of aiding and assisting in the preparation of a false tax return, announced Acting Assistant Attorney General Caroline D. Ciraolo of the Justice Department’s Tax Division and U.S. Attorney Dana Boente of the Eastern District of Virginia. According to court documents, ... Read More »

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