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Author Archives: Research Department

Payment Processors Involved in I Works Scheme Settle FTC Charges


Order Includes Turnover of $ 1.3 Million in Cash and Assets CardFlex Inc., an Independent Sales Organization (ISO), and its principals Andrew Phillips and John Blaugrund, have settled Federal Trade Commission charges that they illegally processed more than $ 26 million in unauthorized consumer charges on behalf of a company called I Works. The defendants are the last of seven ... Read More »

    Proposed Regulation Would Crack Down on Payday Loan System


    The Consumer Financial Protection Bureau (CFPB) is going to unveil a new set of proposed regulations to crack down on payday loans and other forms of short-term loans. The federal watchdog agency will showcase the new proposal on Thursday, March 26 — the same day President Obama is expected to deliver a speech in Alabama discussing the agency and its work. Check ... Read More »

      Let The Game of Whack-A-Mole Begin: Feds Put Forward New Payday Rules


      If there’s any industry that has mastered the art of the loophole, it’s high-cost lending. When faced with unwanted regulation, lenders are well-practiced at finding an opening that will allow them to charge triple-digit interest to their customers. As we have reported, they’ve been playing a giant, ongoing game of whack-a-mole with regulators and lawmakers in states across the country ... Read More »

        ‘Downton Abbey’ to End, Stars Michelle Dockery and Maggie Smith Leave Richer


        English period drama “Downton Abbey” is ending after the sixth and upcoming season, reports BBC News. The show became a hit among American audiences after it was first shown in the states in 2011 and has collected a stash of awards, including three Golden Globes and 11 Primetime Emmy Awards. “Inevitably there comes a time when all shows should end and ... Read More »

          Crowdfunding Industry Set to Explode as SEC Approves Regulation A+


          On Wednesday, 25th March, 2015, the Securities and Exchange Commission (SEC) approved the final rules to activate implementation of Regulation A+ which is Title IV of the Jumpstart our Business Startups Act, or JOBS Act. The approval of Regulation A+ is a major breakthrough in the crowdfunding industry as it allows startups and small businesses to raise a maximum of ... Read More »

            How Much Will Warren Buffett Make Off Ketchup?


            Warren Buffett is about to add even more to his $ 71 billion fortune — or so it seems. It was announced on Wednesday that Berkshire Hathaway company Heinz is merging with Kraft, making the Kraft Heinz Company one of the largest food and beverage corporations in the world. So just how much will Buffett make off this deal? Read on to ... Read More »

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


                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


                  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


                    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


                      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


                        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


                          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 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


                              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 »

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