Educational Consumer Tips


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42 Article(s) Found.
4/29/2014
An adjustable rate mortgage is a mortgage with an interest rate that changes, periodically, during the life of the loan, according to a specified index and time schedule. Since interest rates for fixed-rate financing remain the same for the life of the loan, a lender may lose money if for example, inflation increases interest rates.
6/23/2014
Discouraged by high interest rages and hard-to-find risk or investment capital, businesses in need of commercial loans to expand or even stay in existence may use the services of loan brokers who promise to find needed funds for a fee. Loan brokers should not be confused with either mortgage brokers, who arrange real estate loans, or money lenders, which include such entities as banks, savings and loans, and credit unions.
4/29/2014
If you are interested in making a major purchase or need financial assistance, you are probably looking into taking out a loan. Taking out a loan is a big commitment that requires responsibility, which is why it is crucial to do extensive research. Use these tips as a guide when taking out a loan.
8/2/2017
Most people get help filing their taxes, either from computer software or a professional tax preparer. But horror stories in the media about tax service rip offs and scams have some consumers concerned about who they can trust with their financial data and private information.
1/11/2016
Many people start the new year with leftover debt from the previous year, and additional interest month after month just makes the problem worse as the year goes on. If one of your resolutions is to create a budget or get out of debt, BBB has some tips and tools to help you get on the right track to a better financial future.
7/25/2017
Many people start the new year with leftover debt from the previous year, and additional interest month after month just makes the problem worse as the year goes on. If one of your resolutions is to create a budget or get out of debt, BBB has some tips and tools to help you get on the right track to a better financial future.
12/1/2015
From collection kettles to toy drives to end-of-the-year tax deductions, the spirit of the holidays means giving to favorite causes and to those less fortunate. American charities receive one-third of their annual donations during the holiday season.
7/25/2017
Wow! Free government money you never have to repay? If this sounds too good to be true, that’s because it’s the hook for a common con. This scam promises you free money in the form of a government grant. All you have to do is pay a fee.
5/1/2014
For millions of people, life insurance is a key part of an overall financial strategy. It can provide support for dependents after a death, funds to pay for educating children, and/or extra income for the retirement years. You do not have to have dependents to benefit from life insurance. Regardless of your status, it can be a first step toward building long-range financial security.
7/25/2017
If you have a big pile of credit card bills, you may also have a big pile of credit repair or debt relief offers. Those promises of reduced debt, low-interest loans, and magical fixes for your credit score can be tempting, but you need to be very careful to make sure nobody is taking advantage of you.
7/27/2017
The average person has dozens of online accounts… banks, credit cards, shopping sites, doctors, utilities, content providers, cloud storage, and much more. How to remember all those passwords? Most people take a dangerous shortcut and use the same one over and over again. Or worse, they use something simple like “123456” (the most common password) or even the word “password” (the second most common). This makes it easy for a hacker to steal your data or even your identity. Don’t do it! Better Business Bureau and the National Cyber Security Alliance offer these tips for make your passwords safer.
6/15/2015
Buying a timeshare can be a great investment for you and your family however, it is important to review your options before rushing into a commitment. Read through these tips before deciding to buy a timeshare.
4/29/2014
You see the ads on TV and online, and you hear them on the radio: they tout gold as a solid investment. It's true that people sometimes use gold to diversify their investment portfolio: it can help hedge against inflation and economic uncertainty. But how much gold to buy, in what form, at what price, and from whom, are important questions to answer before you make that investment. 
4/29/2014
Choosing a bank that fits all of your specific needs can be an overwhelming task. Before searching for a bank, decide which features are important to you. This will allow you to better evaluate and compare banks throughout the process. Use the following tips as a guide when choosing a bank.
8/22/2014
Choosing a bank that fits all of your specific needs can be an overwhelming task. Before searching for a bank, decide which features are important to you. This will allow you to better evaluate and compare banks throughout the process. Use the following tips as a guide when choosing a bank.
4/29/2014
Credit is a convenience. It allows you to charge a meal on your credit card, pay for an appliance with an installment plan, or take out a loan to buy a house. With credit you can make a purchase when you lack ready cash, and you can enjoy the purchase while you are paying for it. 
4/29/2014
If you are overwhelmed or consumed by debt, you may be interested in the relief a credit counseling agency can provide. A credit counseling agency hires counselors that are trained in money and debt management and budgeting. Use these tips as a guide when choosing a credit counseling agency to help manage your debt.
4/29/2014
If you are overwhelmed by debt, a debt settlement program may be what you need to negotiate the money you owe. Businesses that offer debt settlement programs try to negotiate with creditors to settle payment that is less than the full amount of debt owed. Take precautions and use these tips as a guide when searching for a business that offers a debt settlement program.
9/25/2015
The EMV cards allow consumers to use their cards globally, and they also help reduce card fraud and identity theft, and make in-store transactions more secure. The chip generates a unique, one-time code that is difficult to counterfeit but is needed for each transaction to be approved.
4/29/2014
How you manage your money can determine the quality of your life. By having a financial plan, you can document and keep track of financial income and outflow. A financial plan should help you live comfortably within your means and enable you to plan for future growth. Just as it will help you pay for certain unexpected emergencies, the plan also should help you save for a comfortable retirement, or that dream vacation. 
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