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What is Wrong With My Industry? Part Two

By Gary Silverman In my last posting I began a series designed to show you how to spot the bad folks in the investment world (my business). I’ve rounded up the usual suspects into 3 categories: People who lie, cheat, and steal; People who act recklessly; and People whose judgment is clouded by conflicts of interest. Last week we covered the liars, cheaters, and stealers. This week, let’s look at …Read More

NFCC Encourages Consumers to Know Their Rights

By Bruce McClary National Consumer Protection Week is being observed from March 1-7, and the NFCC is participating by connecting consumers to resources that can improve their level of financial protection. Consumers who are informed about their rights have an advantage over those who don’t. The following tips can help people learn more about managing their personal finances while protecting themselves from scams and abusive practices: Know the consumer rights …Read More

Tips for Renting a Home When Your Credit is Poor

By Stacy Johnson If you’ve ever found yourself in search of a new place to live and your credit is less than perfect, you probably know it’s not easy. It may be especially difficult right now, because in many U.S. cities, rental properties are in short supply, and demand is high. A tight market generally means the qualification criteria will be more stringent to weed out applicants. But there are ways to persuade landlords …Read More

NFCC Supports America Saves Week

By Bruce McCleary The NFCC is proud to support America Saves Week February 23 – 28, 2015. America Saves is an annual opportunity for organizations to promote good savings behavior, and a chance for individuals to assess their own saving status. Savings is the foundation for financial stability, especially in challenging economic times. Goals like homeownership and retirement are difficult to reach without a healthy savings account. Americans wondering if …Read More

The High Cost of Health Insurance

By Laura Mangis It’s all anyone is talking about these days: health care and health insurance. You needed to have healthcare insurance by March 31st, 2014, or you would risk getting fined. Whether you have it through an employer, parent, or you are purchasing it for yourself on the Health Insurance Marketplace, you need to be well informed. But a lot of people are still in the dark about the whole “health care …Read More

Getting Serious? Five Important Money Questions to Ask

By Jason Alderman This Valentine’s Day, consider thinking beyond the roses and candlelight dinners to a potential future of merged finances. If your relationship is heading that way, a discussion is essential before making the move. A 2014 survey by the National Endowment for Financial Education (NEFE) found that 13 percent of adults with combined finances said they had failed to share information about their personal debt or income, which …Read More

The Price of a Great Valentine’s Day

By Jesse Campbell Valentine’s Day is celebrated around the world. It has historical roots that go all the way back to the 5th century AD. Like most modern holidays, it’s current, commercialized form is a bit disconnected from its origins, but it isn’t very accurate to claim that February 14th is just a “Hallmark holiday” manufactured to sell candy and jewelry. That said, it sure does feel like a thinly veiled excuse …Read More

Give Financial Piece of Mind this Valentine’s Day

By Drew Kessler Valentine’s Day rolls around each year on February 14, regardless of the economic conditions. This obvious lack of sensitivity on the part of Cupid leaves many wondering how to show their affection without breaking the bank. If you find yourself in financial distress, perhaps the best gift this Valentine’s Day is not to spend money on a token of your affection, but to provide your loved one …Read More

NFCC Survey Reveals Top Financial Relationship Stressors

By Bruce McClary Nearly half of all participants (47%) in the January online poll by the NFCC responded that disagreements about money are most likely to cause the greatest stress in their relationships. Disputes about money management can begin as early as the first date, but they become lethal to relationships when they go unaddressed. As the years go by, what could have started as a constructive conversation about finance …Read More

Considering Life Without Owning a Car

By Jason Alderman American consumers could learn from today’s millennials and their spending habits — or more appropriately, how they don’t spend. Those born between 1983 and 2000 are redefining big-ticket ownership, particularly in the area of transportation. According to an October study by U.S. Public Interest Research Group (U.S. PIRG) and the Frontier Group, millennials are driving significantly less than older Americans. Some are simply getting licensed later because …Read More