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Author Archives: Research Department

4 Ways to Earn Money Without Lifting a Finger

save_or_make_money

While your salary may sound good in negotiations, it can be a different story when you get your monthly paychecks and start dividing it up to pay your bills. Wouldn’t it be great to have an additional, continuous stream of money coming into your savings and/or checking account? Having multiple jobs can seem overwhelming, but there are some side activities ... Read More »

    5 Little-Known Ways to Get Your Student Loans Forgiven

    Ready to Collapse

    If you’re like most people, your student loans probably feel a bit like a ball and chain that you’ve been dragging through your life for years. Every month, you dutifully make a payment knowing that you’ll be making that same payment next month, the month after that, and so on. But what if you didn’t have to? What if there ... Read More »

      Is Divorce the Best Option for Older Americans?

      Divorce

      “Will you still need me? Will you still feed me? When I’m 64?” The Beatles first released these quaint, clarinet-fueled lyrics in 1967 when the loving answer to these questions was a resounding, “Yes!” Traditional marriage vows echo this sentiment in that they presuppose a relationship span that encompasses young and old age, wellness and serious illness, wealth and poverty. ... Read More »

        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 »

            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 »

                      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 »

                        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 »

                          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 »

                              CreditRepair.com Responds to Pending Credit-Reporting Changes

                              thumb up

                              Salt Lake City, UT (PRWEB) March 16, 2015 CreditRepair.com, a leading provider of credit report repair services, reacts favorably to the new agreement announced Monday between New York Attorney General Eric Schneiderman and the three biggest U.S. credit-reporting agencies, Equifax, Experian and TransUnion. Under the agreement, the credit bureaus have approved the hiring of employees tasked to review consumer credit ... Read More »

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