Household Math™: Mortgage Savings
by Scott Bilker
You have a 30-year, 7% APR, $150,000 mortgage. You know that you're going to pay back far more than $150,000 in that 30-year period and you want to save money. You decide that you want to save 50% of the total money repaid under the 30-year terms. The question is, how much more, by percent, do you have to increase your current monthly payment to save 50% on the overall payments compared to the original mortgage?
Survey Results: Who Really Pays the Bills Commentary
by Scott Bilker
Thank you for making last issue's survey such a success! As usual, you all teach me so much about how families deal with finances. I can always depend on your comments and I do appreciate that!
IRS Warns of Scheme to Steal Identity and Financial Data
by Internal Revenue Service
The Internal Revenue Service warned today of a fraudulent scheme currently circulating that uses fictitious bank correspondence and IRS forms in an attempt to trick taxpayers into disclosing their personal and banking data. The information fraudulently obtained is then used to steal the taxpayer's identity and bank account deposits. The IRS has received reports of the scam surfacing from...
Survey Results: Who Pays the Bills
by Scott Bilker
I hear from my friends that their wives or girlfriends are the ones that handle the household finances; that actually pay the bills. However, I'm not so sure that can be generalized to the average household so I'm going to need your help to find out who really handles the household finances.
How to File a Consumer Complaint About a Bank
by Federal Reserve
As a federal regulatory agency, the Federal Reserve System investigates consumer complaints received against state chartered banks that are members of the System. If you think a bank has been unfair or deceptive in its dealings with you, or has violated a law or regulation, as a consumer you have the right to file a complaint. The major consumer protection laws covering...
DebtSmart Email Newsletter: 7/31/02
by DebtSmart Email Newsletter
In This Issue; Cool Quote; Letter from the Publisher; (New Book Release and Gifts) Who Pays the Bills--Men or Women? (Survey Results); Household Math™: Car Insurance Payments vs. Credit Card Offer; Survey: The Rich; Love'em; Hate'em How to File a Consumer Report About a Bank Strangled by Debt? Plastic Payments: Trends in Credit Card Fraud Liberate $400 from that Lunchbox! IRS Warns of Scheme to Steal Identity and Financial Data; DebtSmart Resources; Subscribe/Disclaimer Information
Survey Results: The Rich; Love'em, Hate'em
by Scott Bilker
Every day you hear about another CEO that's made millions while sticking it to the little guy (or gal). They make millions while we owe millions. Is it fair? But what about the people that worked hard to get their wealth? The people that sacrificed years of their life to accumulate wealth and live the American-dream. Do they deserve it? Should they have to give it back?
Household Math™: Car Insurance Payments vs. Credit Card Offer
by Scott Bilker
Your auto insurance bill arrives; it's $600.00 for 6 months of coverage, ugh. Luckily, to make paying easier, they give you the option of spreading this out over 3 monthly payments. The catch is...
Plastic Payments: Trends in Credit Card Fraud
by Keith Slotter, FBI
Law enforcement authorities continually confront new and complex schemes involving credit card frauds committed against financial institutions and bank card companies. Perpetrators run the gamut from individuals with easy access to credit card information-such as credit agency officials, airline baggage handlers, and mail carriers, both public and private-to organized groups, usually from similar ethnic backgrounds, involved in large-scale card theft, manipulation, and counterfeiting activities. Although current bank card fraud operations are numerous...
Liberate $400 from than Lunchbox!
by Tawara Kellam
The average school lunch cost $3/day or $540 per year and what mother hasn't wondered if those lunches actually get eaten? In her book Not Just Beans, frugal cooking expert Tawra Kellam provides solutions to jazz up those lunches and save up to $400 in the process. Here are some sack lunch tips that help guarantee you will be able to retire the "starving kids in Ethiopia" lecture for good.
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