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Author Archives: Research Department

5 Lifelines You Can Use If You Don’t Have an Emergency Fund

Emergency

Everybody’s heard it: You need to save three to six months’ expenses in an emergency fund. Not as many of us have actually done it. In fact, a 2014 survey indicated that most of us couldn’t cover even a $ 500 calamity. That means we are clearly under-saving — it’s hard to argue that having anything less than $ 1,000 ... Read More »

    Are You Ever Too Old to Need Life Insurance?

    Moving Up

    As you get older, it may seem less and less prudent to carry life insurance. You could be retired, own your home outright and have kids who are self-sufficient. While for most people insurance is intended to protect you and your loved ones if you die prematurely, there are some financial situations where you may still need to consider if you need ... Read More »

      How to Correctly Fill Out Your W-4 for a Bigger Paycheck

      w2-form

      When money is tight and it doesn’t look like your job will be offering you a raise anytime soon, saving money can feel like an impossible task. However, there is something you can do to maximize how much money you get each paycheck and help you build up your savings account. What is it? It’s making sure that your W-4 withholdings ... Read More »

        Legislation Would Require Private Student Loans Be Forgiven If Borrower Dies

        graduate

        (Jeff) Shortly after the death of their daughter, a New York couple’s grief was interrupted by a battle with an entity they never imagined: her private student loan lender. Inheriting a dead child’s student loan debt is a problem too many parents have had to face, and one that a new piece of legislation aims to eliminate. New York Senator Chuck ... Read More »

          7 Downsides of Low-Interest Credit Cards

          business_credit_cards

          The one thing that everyone hates about credit cards is paying high interest rates, which can be especially costly. There are credit cards offered with low interest rates that can appeal to cardholders who are frustrated by high interest charges each month. They may offer rates of 10% APR or even less, but it may come at a cost. As with all ... Read More »

            The 10 Best Markets for First-Time Homebuyers

            Couple Buying House

            Young people are flocking to cities like New York, San Francisco and Washington D.C., when perhaps they should consider places in North Carolina, Ohio and Tennessee — at least if they want to buy a home. First-time homebuyers often find gathering enough cash to make a down payment is their biggest obstacle, but millennials aren’t helping themselves by moving into areas ... Read More »

              CFPB to Let Consumers Publicly Share Story of Problem With Company

              201503_cfpb_complaint_narrative_blog

              Mar 18 2015 By Richard Cordray Since we started accepting complaints in July 2011, we have handled more than 550,000 from people all over the country about problems in the financial marketplace. These complaints help us understand the problems you face and focus our efforts to protect consumers like you. While you can see hundreds of thousands of these complaints ... Read More »

                You Don’t Have to Be Rich to Retire Happy (In Fact, Far From It)

                Bikers View

                We all hope to “retire” someday. (Why did I put “retire” in quotes? Because most of us don’t want the freedom to sit around and do nothing — instead we hope to have the freedom to do more of what we want to do and less of what we have to do.) Does that sound like a happy retirement? Of ... Read More »

                  36 Deals and Freebies for the First Day of Spring 2015

                  spring_deals1

                  The 2015 vernal equinox is on Friday, March 20. This day will mark the official start of spring, when daylight will start sticking around for a bit longer, snow will melt away and warmer weather will invite all to spend a little more time enjoying the outdoors. As spring begins, many shoppers will be needing to stock up on clothing, ... Read More »

                    National Debt Relief Discuss Important Matters About Personal Finances

                    couple working

                    Los Angeles-Long Beach, CA (PRWEB) March 18, 2015 National Debt Relief recently shared in an article published March 5, 2015 some of the things consumers needs to know about their personal finance. The article, titled “5 Things You Absolutely Must Know About Your Personal Finances,” looks at some of the important financial areas people needs to be aware of. The ... Read More »

                      5 Stupid Ways Millionaires Like Jordan Belfort Lost Their Fortunes

                      oops

                      Rich people are human, too, and are just as susceptible to failure as the rest of us; but when they go down, they go down hard. It can happen in an instant, or over the course of several years, but many millionaires have lost their riches due to bad business decisions, materialism or even illegal activities. Here is a list ... Read More »

                        3 Things to Look Out for If You’re a Victim of the Premera Blue Cross Security Breach

                        White Collar Criminal

                        Premera Blue Cross, a health insurer serving patients in Washington and Alaska, announced Tuesday it was the target of a cyberattack that accessed millions of customers’ personal, financial and medical information. An investigation reportedly discovered the attack began May 5, 2014. According to its website, Premera Blue Cross serves 1.8 million people in the U.S., though multiple news reports say 11 ... Read More »

                          How to Legally Cheat Your Tax Bracket

                          tax_bracket

                          Lowering your tax bill is no easy feat. No matter how much you love Fluffy, your cat is not a dependent that can score you a deduction so you can reduce your taxable income, and thus your tax rate (There are, however, a few tax breaks for pet owners). And, you can’t deduct the cost of a gym membership, even if ... Read More »

                            The Great Illusion of Retirement Savings

                            Panic attack

                            The nation is facing a looming retirement income crisis. Average retirees today are not well off. Tomorrow’s average senior is likely to be in worse shape. Instead of addressing this looming crisis, too many of the nation’s policymakers and elites propose to make it worse. They tell the American people that Social Security’s earned benefits must be cut, despite their ... Read More »

                              Can I Deal With a Debt Collector Over Email?

                              cathackgmail

                              Over the past 25 years, the way individuals communicate with each other has changed dramatically. From telephone calls and faxes to emails and text messages, advancements in technology have made it much easier for individuals to get in touch with one another. Today, individuals communicate through text messages and emails more than they do through telephone calls. Businesses have also adapted to new ... Read More »

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