J. J. Bianco Gravatar

J. J. Bianco

In Personal Finance, Managing Debt

was Associate Dean at Cardozo School of Law at Yeshiva University before founding and becoming CEO of Alliance Entertainment, a NYSE-listed company, in the 1990s. He’s owned a number of other companies, including Lotus Performance Cars, which he later sold to General Motors. Today he is an investor and consultant, and he has authored two books and many articles in popular and professional publications.

Consumers are More Confident – Is That a Good Thing?

Personal Finance

Consumers are More Confident – Is That a Good Thing?

Consumers are More Confident – Is That a Good Thing?

s it me, or is the economic news sounding a lot better lately? Unemployment has dropped to 8.5%, certainly not a good number but a significant improvement compared to prior months. Better still, Christmas retail sales were surprisingly robust, and after-Christmas retail sales were up 5.3% versus the same week in 2010. There was even... Read More

‘Tis the Season to Be Wary….

Identity Theft

‘Tis the Season to Be Wary….

‘Tis the Season to Be Wary….

You better watch out You better not swipe Your credit’s wiped out It’s too late to gripe Badman Claws is coming to town He’s making a list, You’re on it twice; Your bank account will barely suffice. Badman Claws is coming to town. He’s phishing when you’re sleeping He tracks you when you wake He... Read More

Elizabeth Warren Gains on Republican Opponent for Senate

Personal Finance

Elizabeth Warren Gains on Republican Opponent for Senate

Elizabeth Warren Gains on Republican Opponent for Senate

With the squalls surrounding the filibuster of Richard Cordray’s nomination for director of the Consumer Financial Protection Bureau, it was easy to miss what was going on with Elizabeth Warren, the creator of the Consumer Financial Protection Bureau. Ms. Warren had so infuriated Republicans in Congress that although she was the logical choice for director,... Read More

How to Handle the Debts of a Deceased Loved One

Managing Debt

How to Handle the Debts of a Deceased Loved One

How to Handle the Debts of a Deceased Loved One

Although it is a time that may be difficult for many, it’s worthwhile to pay attention to debt, in particular credit card debt, upon the passing of a loved one. The Credit CARD Act of 2009 attempted to provide some assistance in terms of the speedy and fair settlement of estate-related debt. The law requires... Read More

The Credit Card is Back, Just in Time to Fuel Your Holiday Spending Hangover

Managing Debt

The Credit Card is Back, Just in Time to Fuel Your Holiday Spending Hangover

The Credit Card is Back, Just in Time to Fuel Your Holiday Spending Hangover

Javelin’s 4th Annual Online Retail Payments Forecast, based on data collected online from more than 2,300 consumers, was published last week. Among other things, it predicts that online e-commerce sales in the US will total $309 billion in 2011, growing to $444 billion in 2016. Significantly, the research also suggests strongly that credit cards will... Read More

Find an Error on your Credit Card Bill?  Here’s What to Do.

Credit Cards

Find an Error on your Credit Card Bill? Here’s What to Do.

Find an Error on your Credit Card Bill?  Here’s What to Do.

Generally, when you find an unrecognized charge on your credit card statement, there are three possibilities. An innocent mistake was made by you—in the sense that you forgot that you let your son borrow your card for a day, or the purchase is not sufficiently described on your statement so as to enable you to... Read More

CFPB to Warn Banks Prior to Enforcement Actions

Personal Finance

CFPB to Warn Banks Prior to Enforcement Actions

CFPB to Warn Banks Prior to Enforcement Actions

Attention banks and financial institutions: If you’re worried that you might be the target of a government investigation, you’ll be interested to learn that the newest Federal watchdog intends to give you a heads up in advance. The Consumer Financial Protection Bureau recently announced that it would begin informing individuals or corporations within its purview... Read More

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