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Author Archives: Research Department

Target to Lay Off Thousands of Employees: What This Means for Consumers


Target announced Tuesday it will cut several thousand jobs, mostly from the company’s headquarters locations. This move is part of a restructuring plan that will cut $ 2 billion in costs and save money for the company over the next two years. Target CEO Brian Cornell revealed the details of the plan, which will narrow the company’s focus to a ... Read More »

    Rent or Buy a House? The Key Is the Break-Even Year

    hartwell kitchen

    Housing costs is often the biggest part of any American’s budget. But when it comes to choosing where you will live there is often one major question: Should you rent or should you buy? There are several factors that go into which decision is more financially prudent for you. One number that can help you figure out what is the better ... Read More »

      Legal Issues Surround Quitclaim Deeds


      There are various types of real estate (land) deeds. Having a deed may document a claim of ownership but does not guarantee actual ownership, as the old jokes about selling or buying the Brooklyn Bridge illustrate. Many types of deeds allow recourse against the grantor (maker of the deed) if certain subsequent title problems occurs. This comment briefly notes in ... Read More »

        Employee Appreciation Day: Here’s How You Compare to the Average Worker


        March 6 is Employee Appreciation Day, when American employers give their workers some extra recognition for their ongoing efforts and hard work. Many companies go the extra mile to celebrate their employees by funding team outings, giving gifts, offering a short work day or holding recognition events. Workers say it doesn’t take much to make them feel appreciated. More than a third of employees ... Read More »

          5 Ways to Slash Your Monthly Expenses


          It can often seem like your monthly income flows right back out. If you feel like your money is gone before you even have a chance to choose where it goes, you may need to get a handle on your finances. Regular monthly expenses can fill  your budget easily, leaving less money to spend now and save for the future. ... Read More »

            5 Things You Absolutely Need to Find in Your Credit Reports

            Your Credit Score Sucks

            You probably already know it’s a good idea to review your credit reports and your credit scores. But what happens when you get a copy of your credit report and you aren’t sure what to make of it? In a recent survey by, 27% of consumers who said they had reviewed their credit reports were surprised by some of the ... Read More »

              The Pre-Recession Housing Problem That’s About to Slam Homeowners


              The home equity line of credit (HELOC) had been around for many years before it became a hugely popular financial product in the early 2000s. When the financial crisis happened in 2008, drastically lower home valuations put a stop to the HELOC boom, and today we see far fewer being issued by lending institutions. However, millions of homeowners still have ... Read More »

                Amex Raises APRs on 1 Million Credit Cards: What You Can Do


                More than one million American Express credit card customers are going to see their APRs experience an increase in mid-April, according to a letter sent to affected customers (the timing may be different for you). See why the interest rate hikes are coming, what you can do about it and why it won’t matter for some cardholders. More than 1 ... Read More »

                  6 Members of Congress With the Most Student Loan Debt


                  Americans sometimes find it difficult to relate to members of Congress, particularly from a financial standpoint. That’s understandable: Lawmakers are, on average, significantly wealthier than the average American, and about half of Congress (50.8%) is made up of millionaires. But there’s another thing above average about legislators’ finances, which might actually resonate with their constituents: student loan debt. About 8% ... Read More »

                    Debt Consolidation USA Explains How Drugstores Offer Great Bargains

                    broken piggybank with dollar notes

                    Phoenix, AZ (PRWEB) March 07, 2015 Debt Consolidation USA shared in a recently published article how drugstores are able to offer great savings to consumers treading on a tight budget. The article titled “Best Bargains At Drugstores” looks at the multiple ways shoppers can walk out a drugstore with the best deals in town. The article starts off by pointing ... Read More »

                      What Happens If You Boycott Your Student Loans?

                      Angry Man by Steve Rhode

                      Fifteen former Corinthian Colleges students are angry. The group alleges they were taken advantage of and targeted by the for-profit college system. They’re not the first to complain about the institution, but what makes these students different is that they’re refusing to pay back their federal student loans. They’re called the Corinthian 15 and they’re going on strike. “If you owe the bank a thousand dollars, ... Read More »

                        The Most Important Question to Ask Yourself Before You Take Out Student Loans

                        Student Loans Concept

                        At some point in your decision to go to college or get an advanced degree, you may need to ask yourself an extremely important question: How much money do I need to borrow? The key word there is “need.” If you’re lucky (or plan extremely well), the answer is “none,” and you can enjoy getting an education without going into debt. ... Read More »

                          The Fresh Start of a Bankruptcy May Restore Credit Faster


                          People consider filing bankruptcy when the alternative has become worse. Figuring out if you are at that point though can be difficult. One misconception that makes people hesitate to file bankruptcy is the impact on their credit. An in depth study by the Federal Reserve Bank comparing the credit of people who’ve filed bankruptcy with those suffering through chronic defaults ... Read More »

                            10 Cities Where Identity Theft Is a Huge Problem

                            ID Theft or Stolen Identity

                            Fraud can happen anywhere, but certain places seem to have it worse than others. The Federal Trade Commission recently published its annual report on consumer complaints, and it includes rankings for cities with the most fraud reports, and in a separate list, the most identity theft reports. Did your hometown make the top 10 list? Florida dominated the identity theft ... Read More »

                              A Student Loan Repayment Trick That Can Save You Money

                              What Will Debt Repayment Cost You in Retirement?

                              It’s common knowledge you can save money by paying off loans and other debts quickly or ahead of schedule. You can also save money by making monthly payments as planned, if you put in a little extra effort and do the math. The trick? You can change your repayment period to an extended plan (for example, a 25-year instead of ... Read More »

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