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Author Archives: Research Department

Money Isn’t the Root of all Evil…it’s Procrastination

time and money

We’ve all heard the phrase, “Money is the root of all evil.” After 22 years of counseling hundreds of investors and savers, I’m pretty sure it’s procrastination. Procrastination can kill you when it comes to saving. Putting off saving, investing or planning for the future can be detrimental to your financial health. You’ve also seen all the illustrations about how ... Read More »

    Is College a Good Return on Investment. Facts are Surprising.

    college-class

    Seattle, Washington (PRWEB) March 05, 2015 PayScale, Inc., the world’s leading provider of on-demand compensation data and software, today announced the 2015 PayScale College Return on Investment (ROI) Report. “How much student loan debt college kids and their families take on has serious implications for their future financial health. With average student loan debt hovering around $30K, students can’t afford ... Read More »

      Seven Individuals Indicted in Multimillion-Dollar Business Opportunity Fraud Scam

      scammer

      Scheme Victimized More Than 1,000 Individuals throughout the United States The Justice Department announced today the unsealing of an indictment charging seven individuals in connection with a vending machine “business opportunity” that defrauded thousands of victims across the country.  The indictment was returned by a federal grand jury in New York City.  The following individuals were named as defendants in ... Read More »

        Direct Marketer Agrees to Pay $8 Million for Deceiving Consumers

        ftc

        Company Pitched Snuggies and Other Products on TV, Often Billing Consumers without Their Consent A direct marketing company selling “as-seen-on-TV” type products such as Snuggies and the Magic Mesh door cover has agreed to pay $ 7.5 million to the Federal Trade Commission for consumer restitution to settle FTC charges in connection with its deceptive “buy-one-get-one-free” promotions. The FTC’s settlement ... Read More »

          National Debt Relief Shares Tips To Save Funds Around The House

          casual woman saving money

          Dallas, TX (PRWEB) March 05, 2015 National Debt Relief recently shared in an article published February 21, 2015 how consumers can find ways to save some funds around the house. The article titled “8 Simple Tips To Save Money Around The House” looks at simple tweaks in the way people live to create some wiggle room in household budget. The ... Read More »

            How to Avoid an Online Vacation Rental Scam

            In honor of my trip to the White House yesterday.

            Imagine you’re planning a much-needed vacation. You rent a home using an online site and pay in full to secure the deal. You board your flight and travel to your destination, excited to be far away from work and ready to relax. You arrive at your rental to get the keys – and find out you’ve been scammed. Here’s how ... Read More »

              5 Reasons You Can’t Get a Mortgage

              Virtual Mortgage

              Are you gearing up to refinance or buy a home this year? These five things may stop your mortgage dead in its tracks. Here’s what you need to know to prevent your loan application from being denied. 1. Your Credit Score Is Not What You Think It Is This scenario is all too common. A consumer will get one credit score ... Read More »

                Help! I Lost Out on an Apartment Because of a Credit Report Mistake

                credit-cards

                A reader, Emily, wrote to us after being turned down for an apartment because of a previous eviction for her husband — only he’d never been evicted. Instead, she thinks his records may have been confused with his father’s. Here’s her story: My husband and I tried getting an apartment last month and they denied us because my husband supposedly ... Read More »

                  ACCC Offers 5 Steps to Protect Yourself from Identity Theft

                  identity-theft

                  Boston, MA (PRWEB) March 04, 2015 The amount of consumers who have experienced digital identity theft has skyrocketed over the past couple of years. The biggest issue is more often than not, consumers do not know how to protect themselves against scammers, which is why American Consumer Credit Counseling has released a handful of tips in hopes of minimizing the ... Read More »

                    5 Ways to Boost Your Retirement Savings

                    retirement Paul Revere

                    Even if you haven’t yet entered the working world, you can probably assume you will want to retire and some point. While most Americans have similar goals for a debt-free, affordable post-working life, you might not realize how much work (outside the office) it takes to get there. You probably are not saving enough, or are at least worried that ... Read More »

                      FTC and Ten State Attorneys General Take Action Against Political Survey Robocallers Pitching Cruise Line Vacations to the Bahamas

                      ftc

                      Settling Defendants to Pay More Than $500,000 in Penalties for Billions of Illegal Robocalls The Federal Trade Commission and 10 state attorneys general have taken action against a Florida-based cruise line company and seven other companies that assisted a massive telemarketing campaign resulting in billions of robocalls. The FTC and state partners allege that that the companies illegally sold cruise ... Read More »

                        New Video Reveals Elderly At Risk from Internet Scam

                        tax_scams_to_avoid_this_season

                        Jack Vale, internet personality, exposes an insidious online scam targeting the elderly. A simple mistyped URL can cost uncautious seniors hundreds of dollars. Los Angeles, CA (PRWEB) March 04, 2015 YouTube and HLN personality Jack Vale released his newest video on Monday, March 2nd alerting consumers to a potential scam targeting the elderly online. Like many consumers, Vale had mistyped ... Read More »

                          The New Credit Score That Rewards You for Paying More Than the Minimum

                          credit good

                          TransUnion, one of the three major credit reporting agencies, has made several changes in the last few years to the credit reports it provides consumers, in addition to developing a new credit score to help lenders better evaluate potential borrowers. If you’ve requested your TransUnion credit report recently (you get free credit reports every year through AnnualCreditReport.com), you may have ... Read More »

                            The College Cost Blame Game Has a New Twist

                            College Tuition Expenses

                            A new narrative is beginning to take shape on the higher education front. At a recent meeting of the U.S. Senate’s Committee on Health, Education, Labor and Pensions, its chairman, Sen. Lamar Alexander (R-Tenn.), and the chancellors of the University System of Maryland and Vanderbilt University talked about the financial toll that regulatory compliance is taking on the schools—$ 14 ... Read More »

                              Most Difficult Cost In Retirement? Retirees Evenly Split Between…

                              Every day wasted is money wasted. Make the tough choices young so you don't wind up broke, old, sick, and counting pennies.

                              Alexandria, VA (PRWEB) March 04, 2015 A new poll by The Senior Citizens League had surprising results. When asked —“What retirement cost is hardest for you to cover?” — just as many respondents said healthcare and prescription costs were most difficult, 40% — as those who said housing, heat and utilities, another 40%. Sixteen percent said nourishing food, and 4% ... Read More »

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