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Author Archives: Research Department

At FTC’s Request, Court Shuts Down Credit Repair Scam That Impersonates FTC

ftc

Scammers Make Impossible Promises, Target Spanish-Speaking Consumers At the request of the Federal Trade Commission, a federal court has halted the operations of a company that calls itself “FTC Credit Solutions.” The company allegedly used false affiliation with the Commission to market bogus credit repair services to Spanish-speaking consumers. In a complaint filed with the court, the FTC alleges that ... Read More »

    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 »

                Here’s Zayn Malik’s Net Worth as He Leaves One Direction

                zayn_malik

                Zayn Malik is leaving boy band One Direction, news that came less than a week after he announced he would be stepping away from the band’s current “On the Road Again” tour due to stress. “I am leaving because I want to be a normal 22-year-old who is able to relax and have some private time out of the spotlight,” ... Read More »

                  What To Do If You Can’t Pay Your Taxes

                  can-not-file-taxes

                  While many commercials are running about getting a big tax refund, not everyone is happy about filing. Depending on your situation, you might be stressing out because you didn’t pay enough taxes last year and now owe Uncle Sam. If you need help paying your taxes because you don’t have the money now to pay the total due, there are several options available, including ... 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 »

                      FTC, Multiple Law Enforcement Partners Announce Crackdown on Deception, Fraud in Auto Sales, Financing and Leasing

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                      Commission Announces Six New Auto Cases in Operation Ruse Control The Federal Trade Commission and 32 law enforcement partners today announced the results of Operation Ruse Control, a nationwide and cross-border crackdown to protect consumers when purchasing or leasing a car, encompassing 252 enforcement actions. The six new FTC cases include more than $ 2.6 million in monetary judgments. There ... 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 »

                          20 Life-Changing Money Lessons You Learn in Your 30s

                          save_30s

                          By the time you reach your thirties, you will have wised up to many of the foolish money habits of your twenties. It might be just as tempting to give in to careless spending, impulsive buying and paycheck-to-paycheck living, but at least you know better now. After all, you are about halfway to retirement, and these 20 lessons will help you ... 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 »

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