Consumers Still Cautious About Debt

Managing Debt

Consumers Still Cautious About Debt

Consumers Still Cautious About Debt

A majority of consumers have suffered some economic distress in the last few years as many experienced some type of income loss, or saw the value of their home decline significantly, and this has led to more caution around debt in general, according to a new study conducted jointly by researchers at Oregon State University… Read More

Financial News Roundup: Eligible Americans Denied Mortgage, Companies Increase Hiring Abroad

Personal Finance

Financial News Roundup: Eligible Americans Denied Mortgage, Companies Increase Hiring Abroad

Financial News Roundup: Eligible Americans Denied Mortgage, Companies Increase Hiring Abroad

Today’s top news headlines show how much money laid-off workers are earning in new positions and explains reasons Americans who meet mortgage loan criteria are still being denied loans. Plus, find out why more U.S. companies are hiring overseas. Laid-Off Individuals Accept Drastic Pay Cuts The Huffington Post A large number of Americans who lost… Read More

Digital Footprints: The Do Not Track proposal

Identity Theft

Digital Footprints: The Do Not Track proposal

Digital Footprints: The Do Not Track proposal

Are you being tracked online? The answer is yes. There are financial incentives for everyone from malicious hackers, to scheming governments, to an industry that has found a way to monetize your digital habits. Behavioral marketing—delivering ads to consumers based on their activity online—is an estimated $80 billion industry. The goal is to sell: cars,… Read More

No Easy Answers to Credit Score Questions

Credit Score

No Easy Answers to Credit Score Questions

No Easy Answers to Credit Score Questions

I know a lot of people get frustrated when they ask a seemingly simple question about their credit score and receive an answer that sounds evasive.  For example, how many points does a credit inquiry cost?  How many credit accounts should I have on my credit report to get the most points for that area? … Read More

Government to Release New Mortgage Agreement Forms

Mortgages

Government to Release New Mortgage Agreement Forms

Government to Release New Mortgage Agreement Forms

Elizabeth Warren, the Harvard professor who President Barack Obama asked to oversee the creation of the new Consumer Financial Protection Bureau, recently told a group of community bankers in Kentucky that the agency has worked up a few model mortgage forms that it will release for perusal in the coming weeks, according to a report… Read More

Beginning of the End for Online Passwords?

Identity Theft

Beginning of the End for Online Passwords?

Beginning of the End for Online Passwords?

How many websites do you currently visit that require you to log in with a username and password? Five? Dozens? And how many times do you type the same password into many different sites? If you’re like most people, you probably don’t invent an entirely new password for each site. How could you possibly remember… Read More

Roundup: Credit Cards for Retired Consumers

Credit Cards

Roundup: Credit Cards for Retired Consumers

Roundup: Credit Cards for Retired Consumers

These days, retirement isn’t easy to generalize. Some retired folks are doing well financially and even traveling. But others are struggling to make ends meet while living on a fixed income. Many even have credit card debt due to high medical bills. Here are some credit cards that address a few scenarios retirees commonly face. If you’re on… Read More

Financial News Roundup: Fewer Americans Owe Taxes, Michigan Creates ‘Financial Emergency Swat Teams’

Personal Finance

Financial News Roundup: Fewer Americans Owe Taxes, Michigan Creates ‘Financial Emergency Swat Teams’

Financial News Roundup: Fewer Americans Owe Taxes, Michigan Creates ‘Financial Emergency Swat Teams’

Today’s top news headlines feature advice to consumers who are undergoing an audit and explains why Michigan is training a large group of professionals in financial emergency management. Plus, find out how many Americans owe income taxes this year. Michigan Trains Professionals on Financial Emergencies Bloomberg Michigan will begin training a varied group of professionals,… Read More

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