The True Cost of Giving Pets as Gifts

Personal Finance

The True Cost of Giving Pets as Gifts

The True Cost of Giving Pets as Gifts

There may not be anything cuter than a puppy, kitten, rabbit or even a guinea pig under the tree on Christmas morning.  With so many animals in need of good forever homes, you can adopt an animal from a shelter or rescue and do a good holiday deed, as well as give your child a new companion. I… Read More

The Hunters and the Gatherers of the Mortgage Industry

Mortgages

The Hunters and the Gatherers of the Mortgage Industry

The Hunters and the Gatherers of the Mortgage Industry

Mankind started forming into small social groups a million years before an agricultural society emerged. We didn’t grow crops or raise animals yet. We ate what we could find and the finding was done either by hunters or gatherers. In generally, the hunters – whether armed with a sharp stick, a spear, or bow and… Read More

Tax Cut Deal: Bad for Economy. Good for Credit.

Personal Finance

Tax Cut Deal: Bad for Economy. Good for Credit.

Tax Cut Deal: Bad for Economy. Good for Credit.

As the Obama administration and House Republicans try to pass a compromise tax cut deal over the objection of Congressional Democrats, perhaps they should read a new study co-authored by the Federal Reserve with some surprising findings: Tax cuts don’t actually boost the economy through higher consumer spending. Instead, most people will probably use them… Read More

Giving the Gift of Stock

Personal Finance

Giving the Gift of Stock

Giving the Gift of Stock

In this era of financial conservatism, more people are hesitant to give lavish gifts these days. With unemployment rates and tighter budgets, gifting expectations have gone from pre-recession extravagance to post-recession practicality. Which may not be such a bad thing.  How many times have you felt the burn of watching a child discard the pricey… Read More

Financial News Roundup: Social Security Administration Imposes New Loan Limitations, Luxury Spending On The Rise

Personal Finance

Financial News Roundup: Social Security Administration Imposes New Loan Limitations, Luxury Spending On The Rise

Financial News Roundup: Social Security Administration Imposes New Loan Limitations, Luxury Spending On The Rise

Top Financial News Headlines from Around the Web Today’s top news headlines feature how household wealth fared in the third quarter and why Americans are indulging more in luxury items. Plus, check out which Americans for-profit colleges are recruiting. Americans’ household wealth on the rise Data from the Federal Reserve shows household wealth in the… Read More

WikiLeaks: This is (Really Strange) War!

Identity Theft

WikiLeaks: This is (Really Strange) War!

WikiLeaks: This is (Really Strange) War!

It may be the strangest war ever.  Supporters of the WikiLeaks website describe themselves as being at war against the world’s largest governments and financial institutions to combat secrecy and preserve absolute information freedom on the Internet. If this is war, it is asymmetric to say the least. The number of computer hackers and cyber… Read More

More Consumers Turn to Electronic Payments for Purchases

Personal Finance

More Consumers Turn to Electronic Payments for Purchases

More Consumers Turn to Electronic Payments for Purchases

The number of financial transactions made electronically ballooned between 2006 and 2009 and accounted for more than three-quarters of all noncash payments, according to a new study from the Federal Reserve Board. In a previous study, conducted in 2007, this type of transaction accounted for just two-thirds of all purchases not involving cash. “The results… Read More

Decelerating Your December Shopping Sleigh

Personal Finance

Decelerating Your December Shopping Sleigh

Decelerating Your December Shopping Sleigh

In our consumer-centric society, controlling purchasing behaviors is a challenge year-round. During the annual Holiday shopping season, however, myriad emotional spurs converge. Starting immediately after Halloween, we are bombarded by stimuli that marketers leverage to lighten our spirits and loosen our wallets, including Holiday music (classic or Muzak), colorful decorations, lights and other shiny things,… Read More

Bankruptcy Survival Guide

Managing Debt

Bankruptcy Survival Guide

Bankruptcy Survival Guide

So you’ve been through bankruptcy. You’re probably feeling a mixture of emotions; perhaps you are relieved to get a fresh start, but at the same time are frustrated that you have to start over all over again to restore your credit. It will take time to process all the emotions from the setbacks you’ve been… Read More

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