August 27, 2014 9:19 PM • Log InREGISTER
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Three Things to Look for When Checking Your Credit Report Back-to-School: Tips for Moving Into Your First College Apartment NASFAA Offers Tools to Help You Find Money For School Visa Announces New Fraud Protection System Infographic: Back-to-School Saving Tips Family Affair: How One Couple Keeps Household Finances in Order (Part 2) By the Numbers: 10 Most Attractive Cars for Thieves Infographic: Is the American Dream Still Alive? Report: Consumer Spending on the Rise Amazon Launches Mobile Payment Service Aaron’s Marketing VP Andrea Freeman Talks Consumer Trends How Fake $100 Bills Avoided Detection Infographic: How to Save Money on Auto Insurance FTC Refunds More than $16 Million to Tax Scam Victims Infographic: Best Time to Buy a Car FTC Study: Mobile Shopping App Disclosures are Lacking Better Business Bureau Issues Warning about Online Car Shopping CFPB Speaks out Against High Overdraft Charges Infographic: World’s Bestselling Products CFPB Launches Initiative to Provide Financial Education to Low-Income Consumers Infographic: Do Consumers Really Have Freedom of Choice? CFPB and FTC Fight Foreclosure Relief Scammers Economy Bounces Back in Second Quarter Goodshop App Combines Shopping with Charity Car Title Lenders Find Loopholes to Overcharge Customers Watch out for Business Directory Scams Consumer Alert: Malware Threat at Hotel Business Centers Kim Kardashian New Video Game On Track To Net $200 Million Consumer Tip of the Day: Diversify Online Shopping Sources to Find Deals Women Winning: Study Finds Female Entrepreneurs Optimistic and Growing Banking Malware Discovered on Google Play CFPB Enters Order Against ACE Cash Express R&B Longevity: Boyz II Men Talk Brand Partnerships Spirit Airlines Offers Free Miles to ‘Haters’ Apple Has a Secret iPhone Store Consumer Tip of the Day: Get Complaints Resolved via Social Media Fraud Protection: Stop ATM Skimmers With One Simple Move Uber Lowers Prices to Compete with NYC Taxis Report: Millennials, Minorities Lead Shift To Digital Banking Vacation Scams to Avoid Fraud: Fake Credit Union Operator Admits Guilt How to Get Your Warranty Extended for Free Sample Sale: 5 Tips for Grabbing a Good Deal Capital One Will Stop Using ChexSystems 4 Ways to Save Money on Hotel Costs New Debt Collection Scam Sam’s Club Offers New EMV Card FDA Launches Database Alerting Consumers about Deadly Drug Interactions 15 Banks and Payment Processors Face Fraud Investigation Berkshire Hathaway Offers Travel Insurance Consumers Show Concern over Security of Financial Information Keep Track of Product Recalls Auto Parts Price-Fixing Scandal Makes Justice Department History CFPB Reports on Payday Lenders and Debt Collectors Maya Rockeymoore Talks about Why Social Security is Important Movie Theater Charges Extra for Middle Seats Largest Real-Time Clinical Health Database Launched Avoid a Vacation Rental Rip Off John Hope Bryant Talks about New Book and CFPB Partnership John Hope Bryant Talks about Project 5117 Bank of America, Twitter, Nintendo Among Most Damaged Brands Sallie Mae and Navient to Pay $97 Million for Student Loan Violations National Moving Month: Watch Out for Scams Watch out for Jury Duty Scams Government Creates Reserve to Prepare for Gas Shortages Target CEO Steps Down in Wake of Data Breach Groupon Offers New Bulk Service Personal Income Slightly Rises in April The Effects of the Minimum Wage Block on African Americans Financial Literacy Month: Dealing with Dirty Debt Collectors Walmart Launches Auto Insurance Comparison Service CFPB Officials Face Subpoena Financial Literacy Month: By the Numbers How to Save Money on Travel Verizon Report Shows How Criminals Breach Your Data Could Deceptive Airline Fees Make a Comeback? Financial Fraud Ring Uncovered Consumer Confidence Reaches 9-Month High Student Loan Rates Expected to Rise The CFPB Proposes E-Closing Pilot Program Do You Have a Private Student Loan? Watch Out for “Auto Default” Virtual Tellers Might Be Coming to a Bank Near You Walmart Offers New Money Transfer Service Disney World Proposes Raising Wages to $10 an Hour Personal Finance Author Manisha Thakor Talks About Women and Money Jobless Rate Down in 21 States 2.6 Million Cards Affected in Data Breach at Michaels Stores Median Weekly Earnings of U.S. Workers on the Rise Proposed Bill Could Make Retailers Liable for Data Breach Better Business Bureau Warns Consumers of Fake USPS Emails Fake Credit Unions Steal Millions from Consumers Social Security Stops Collecting on Old Taxpayer Debts Harlem Tenants Fight Landlord Who Allegedly Won’t Make Repairs Do Age, Gender and Marital Status Matter When it Comes to Car Insurance Payments? How Can You Spend 1 Penny to Get Wal-Mart Workers off Food Stamps? Maryland Passes Minimum Wage Raise, Raised to Over $10.00 Wells Fargo Introduces Interactive Tool for Parents and College Students Toyota Recalls 6.39 Million Cars U.S. Creates 192,000 Jobs in March Alabama Restricts Welfare, Requires Drug Testing for Applicants Financial Literacy Month: Five Tips for Financial Well-Being Personal Finance Word of the Day: Consumer Confidence Results of the 2014 NFCC Financial Literacy Survey How You Can Celebrate Financial Literacy Month What Young Adults Think of the Affordable Care Act What Business Owners Should Know about the Affordable Care Act What Consumers Should Know about the Affordable Care Act Fandango and Credit Karma Settle FTC Charges of Consumer Deception Consumer Spending and Personal Income Rise Personal Finance Word of the Day: Stress Test Minor Violations Can Cause Car Insurance Costs to Spike BlackBerry, Red Lobster, and Four Other Big Brands That Could Go Out of Business Consumers Allowed More Time for Health Care Enrollment Personal Finance Word of the Day: Frugal Fatigue Personal Finance Word of the Day: Ponzi Scheme [Video] Personal Finance Word of the Day: Identity Theft [Video] Identity Theft Listed as Top FTC Consumer Complain in 2013 Tennessee Ranks No 1 With Highest State-Local Sales Tax, Hurting Local Businesses Consumer Financial Protection Bureau to Update Prepaid Card Disclosures Watch Out for Malaysia Airline Scams on Facebook Personal Finance Word of the Day: FINRA An Analysis of Money Laundering [Infographic] Website Mistakes that Cost You Money [Infographic] Don’t Get Hustled In Your Search for a Good Side-Hustle National Consumer Protection Week Starts Now [Infographic] WhatsApp Sales Means Major Payday for Employees Personal Income Slightly Rises in January Where to Go to Crowdfund Your College Tuition The White House Emphasizes the Importance of Enrollment in Affordable Health Care Personal Finance Word of the Day: Automatic Stay Infographic: Two-Income Households Struggle More Than Single Income Ones? Five Factors That Affect Your Credit Score Do Men Still Earn More than Women? [Infographic] 8 Ways to Fight Drip Pricing New Trading Service for Consumers Personal Finance Word of the Day: Absorption Rate Personal Finance Word of the Day: COB Fraud Personal Finance Word of the Day: Data Breach Consumers Show Gains in Personal Income Tips for Keeping Shopping Under Control Life Insurance 101: The Dos and Dont’s of Buying Life Insurance U.S. Workers Lose Hope for Higher Wages and Job Security Apple Inc. to Pay More Than $32 Million in Refunds Jobless Claims Dip to Pre-Thanksgiving Levels More Customers Affected By Target Data Breach 4 Reasons to Ditch Department Store Cards Right Now How to Replace a Lost or Stolen Gift Card Don’t Make These Holiday Credit Mistakes IRS Announces 2014 Standard Mileage Rates for Business, Medical and Moving FTC Updates Online Complaint Site

Money > Consumer Affairs

Should your business charge credit card surcharges

Three Things to Look for When Checking Your Credit Report

You’re entitled to receive one free credit report each year from each of the three…

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Back-to-School: Tips for Moving Into Your First College Apartment

Here's what you should know before renting your new place

You can avoid this headache by learning your rights and responsibilities.

By Sheiresa Ngo

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money

NASFAA Offers Tools to Help You Find Money For School

Resources to help you pay tuition

There are many free online tools to make your search for financial aid a little…

By Sheiresa Ngo

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Credit Cards

Visa Announces New Fraud Protection System

The card issuer is aiming to help protect consumers

Newtechnology might protect you at the pump.

By Sheiresa Ngo

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black-female-african-american-student

Infographic: Back-to-School Saving Tips

Here's how you can cut the costs this season

Check out ways you can cut costs for the back-to-school season.

By Sheiresa Ngo

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Extra-Cash-620x480

Family Affair: How One Couple Keeps Household Finances in Order (Part 2)

Anisha and Russ Bailey are serious about saving money

Save money and watch your wealth grow.

By Sheiresa Ngo

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man-counting-money-in-suit

By the Numbers: 10 Most Attractive Cars for Thieves

National Insurance Crime Bureau details top stolen vehicles by state

Pick up trucks top the list for the top stolen car based on a breakdown…

By Sheiresa Ngo

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Infographic: Is the American Dream Still Alive?

What's your dream?

Some say the American Dream is not what it used to be

By Sheiresa Ngo

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money-fans-122312-575hc

Report: Consumer Spending on the Rise

More people are loosening the purse strings

Summer travel accounting for much of the spending increase.

By Sheiresa Ngo

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Amazon Launches Mobile Payment Service

Retailer enters mobile payment market

Early birds get a discount.

By Sheiresa Ngo

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Aarons VP_Andrea Freeman_final

Aaron’s Marketing VP Andrea Freeman Talks Consumer Trends

American workers still face challenges

Baby boomers were most likely to say they were significantly impacted financially.

By Sheiresa Ngo

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house with money_final

How Fake $100 Bills Avoided Detection

Forgeries were so good they were only detected by Fed Reserve

Clever counterfeiters evaded Secret Service for more than a decade. Here’s how.

By Richard Spiropoulos

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Infographic: How to Save Money on Auto Insurance

Tips for keeping cash in your pocket

A few quick questions can save you a bundle

By Sheiresa Ngo

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tax tips

FTC Refunds More than $16 Million to Tax Scam Victims

Those affected will get about 16% of the money they lost

If you have a high tax bill, know that you have options.

By Sheiresa Ngo

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MONEY

Infographic: Best Time to Buy a Car

Here’s a hint: it’s right now

You won’t have to wait until the end of the year to get the best…

By Sheiresa Ngo

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(Image: Thinkstock)

FTC Study: Mobile Shopping App Disclosures are Lacking

Is your mobile payment app safe?

The FTC analyzes 121 popular apps used by consumers to conduct mobile payments.

By Sheiresa Ngo

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woman-on-computer-phone-300x232

Better Business Bureau Issues Warning about Online Car Shopping

If a deal is too good to be true, it usually is

Be very careful about purchasing a car online.

By Sheiresa Ngo

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ABA Offers Tips for Small Business Owners: Assessing Your Banking Relationship

CFPB Speaks out Against High Overdraft Charges

Most debit card overdraft fees triggered by transactions of $24 or less

The CFPB is concerned about expensive overdraft fees for debit card and ATM transactions.

By Sheiresa Ngo

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shopping-620x480

Infographic: World’s Bestselling Products

Here's some fun consumer trivia

Consumers often stay loyal to one brand for many years.

By Sheiresa Ngo

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(Image: ThinkStock)

CFPB Launches Initiative to Provide Financial Education to Low-Income Consumers

CFPB enlists partners to train social services staff

Consumers with low-to-moderate income face unique stressors.

By Sheiresa Ngo

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Nielsen Study: African American Income, Education Exceeds Expectations

Infographic: Do Consumers Really Have Freedom of Choice?

An analysis of food reports from the U.S. Department of Agriculture and others

The products purchased by consumers often belong to a single food conglomerate.

By Sheiresa Ngo

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Image: ThinkStock

CFPB and FTC Fight Foreclosure Relief Scammers

The organizations will file lawsuits

The CFPB is pushing for the victims to be compensated.

By Sheiresa Ngo

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money-fans-122312-575hc

Economy Bounces Back in Second Quarter

Things are looking up for the nation's outlook

The U.S. economy is looking the best it has in five years.

By Sheiresa Ngo

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black-woman-shopping

Goodshop App Combines Shopping with Charity

You can buy while giving to a good cause

With this app, you can choose from a list of schools and nonprofits in the…

By Sheiresa Ngo

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money-fans-122312-575hc

Car Title Lenders Find Loopholes to Overcharge Customers

Florida-based TMX Finance is allegedly one of the chief offenders

Customers are being subjected to triple-digit interest rates.

By Sheiresa Ngo

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scam

Watch out for Business Directory Scams

Always verify the legitimacy of a business

Three telemarketing agencies in Canada might be pulling a fast one on consumers.

By Sheiresa Ngo

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woman-computer-internet

Consumer Alert: Malware Threat at Hotel Business Centers

Business travelers must be on guard

Houstonian Hotel suffered data breach that lasted six months between Dec. 28, 2013, and June…

By Sheiresa Ngo

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kim1a

Kim Kardashian New Video Game On Track To Net $200 Million

Kardashian empire expansion beyond clothing, jewelery and cosmetics pays off big

The millions continue to rain down for Kim Kardashian.
The reality star’s golden touch now includes…

By Richard Spiropoulos

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Window shop ahead of time

Once you’ve made your list of must-have items, find out which retailers carry them in the sizes you will need. Don’t wait until the day of to start your search for the perfect gift. One of the perks of shopping online is that you can window show 24/7 so get to browsing so you don’t waste time later searching a site with great sales for everything but what you’re looking for.

Consumer Tip of the Day: Diversify Online Shopping Sources to Find Deals

Website finds that Amazon may not be saving you money all the time

A recent report from Savings.com reveals that Amazon doesn’t always have the lowest prices, therefore,…

By Sheiresa Ngo

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4-tips-female-entrepreneurs-erica-nicole

Women Winning: Study Finds Female Entrepreneurs Optimistic and Growing

Bank study breaks down what makes entrepreneurs tick

Bank study breaks down what makes entrepreneurs tick and finds that women entrepreneurs optimistic and…

By Richard Spiropoulos

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Fraud-300x232

Banking Malware Discovered on Google Play

Mobile banking app attacked

Malware clones a bank’s original app and then uploads it the Google Play store.

By Sheiresa Ngo

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Money-Cash-Black-Enterprise-Business-Large

CFPB Enters Order Against ACE Cash Express

Payday lender gets fined

The lender has been accused of entangling borrowers in a vicious debt cycle.

By Sheiresa Ngo

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Photo by Sheiresa Ngo

R&B Longevity: Boyz II Men Talk Brand Partnerships

Group details Wendy's campaign and forthcoming album, "Collide"

Business partnerships can bring fresh energy and build a brand’s value

By Sheiresa Ngo

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(Image: Thinkstock)

Spirit Airlines Offers Free Miles to ‘Haters’

'Most complained about' company in industry welcomes more grievances seeking to clean up image

“Most complained about” in the industry, Spirit Airlines welcomes more hate with new promotion offering…

By Janell Hazelwood

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iphone 5s

Apple Has a Secret iPhone Store

The location is not quite what you think

A new eBay store popped up that sells what seems to be refurbished products from…

By Patrick Austin

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Computer-Yelling-300x232

Consumer Tip of the Day: Get Complaints Resolved via Social Media

You have options to have your grievances addressed

If you have grievances with a company’s services or products, social media may be your…

By Sheiresa Ngo

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blue credit card

Fraud Protection: Stop ATM Skimmers With One Simple Move

The newest generation of skimmers can blend in with ATMs, making it impossible to notice when your card is being scanned by thieves

The latest ATM skimmers steal your card information and PIN without you noticing, but you…

By Patrick Austin

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Uber_transportation_300x232

Uber Lowers Prices to Compete with NYC Taxis

Fares are now cheaper for customers of popular transport company

The mobile car service app, Uber, has lowered its prices to offer car rides cheaper…

By Courtney Connley

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mobile payments

Report: Millennials, Minorities Lead Shift To Digital Banking

Blacks, Hispanics, young people lead growth in mobile, online banking

African Americans, Hispanics, and millennials leaders in mobile, online banking, report finds.

By Richard Spiropoulos

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take-time-to-plan-your-vacation_942_449042_0_14087291_500

Vacation Scams to Avoid

Don't get taken for a ride

The promise of a getaway at no cost to you may have hidden charges or…

By Sheiresa Ngo

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Fraud-300x232

Fraud: Fake Credit Union Operator Admits Guilt

Indianapolis resident Timothy Coughlin created several fake credit unions in an attempt to get rich…

By Sheiresa Ngo

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shopping-620x480

How to Get Your Warranty Extended for Free

Don’t pay if you don’t have to

Let’s face it; extended warranties are expensive. Extra coverage on a new car, for instance,…

By Sheiresa Ngo

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black-woman-shopper-300x232.jpg

Sample Sale: 5 Tips for Grabbing a Good Deal

Don't get stuck with what’s at the bottom of the bin

Check out this strategy for navigating a sample sale and finding great luxe for less.

By Stephanie Young

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ABA Offers Tips for Small Business Owners: Assessing Your Banking Relationship

Capital One Will Stop Using ChexSystems

More consumers will have a shot at getting an account

If you’ve ever been denied a bank account, chances are the decision was made after…

By Sheiresa Ngo

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take-time-to-plan-your-vacation_942_449042_0_14087291_500 NL

4 Ways to Save Money on Hotel Costs

Enjoy time away from home while keeping cash in your pocket

If you’re gearing up to take a trip this summer, you’re most likely looking…

By Sheiresa Ngo

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Fraud-300x232

New Debt Collection Scam

Fraudsters continue to find new ways to rip off consumers

Scammers are always waiting for an opportunity to steal from you. Illinois residents are being…

By Sheiresa Ngo

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credit-card-use

Sam’s Club Offers New EMV Card

Retailer offers increased security for its members

Sam’s Club recently announced that it will issue cash-back credit cards with an EMV chip.…

By Sheiresa Ngo

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ComputerHealthStethoscope

FDA Launches Database Alerting Consumers about Deadly Drug Interactions

Adverse reactions will be easier to track

If you take a lot of prescription drugs, it can be hard to keep track…

By Sheiresa Ngo

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(Image: File)

15 Banks and Payment Processors Face Fraud Investigation

Justice Department initiates consumer fraud investigation

(Image: File)
The Justice Department is initiating a consumer fraud investigation by the name…

By Sheiresa Ngo

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(Image: Thinkstock)

Berkshire Hathaway Offers Travel Insurance

A new option for low-cost flight protection

(Image: Thinkstock)
Berkshire Hathaway announced that it will begin offering a new kind of travel insurance.…

By Sheiresa Ngo

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cyber-security-620x480

Consumers Show Concern over Security of Financial Information

Is your information at risk?

If you stay up late at night worrying about your financial security, you’re not alone.…

By Sheiresa Ngo

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Keep Track of Product Recalls

Stay safe by keeping abreast of developments

Have you ever learned that a product that you use or someone close to you…

By Sheiresa Ngo

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Legal Terms Every Business Owner Should Know

Auto Parts Price-Fixing Scandal Makes Justice Department History

This is the department's largest antitrust investigation ever

If you thought the auto industry’s woes couldn’t get any worse, think again. More bad…

By Sheiresa Ngo

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money-fans-122312-575hc

CFPB Reports on Payday Lenders and Debt Collectors

Report shines light on deceptive practices

The Consumer Financial Protection Bureau is responsible for overseeing depository institutions and credit unions with…

By Sheiresa Ngo

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social security

Maya Rockeymoore Talks about Why Social Security is Important

Social Security benefits both the young and old

Maya Rockeymoore, president of the Center for Global Policy Solutions, recently  presented before the Senate…

By Sheiresa Ngo

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man-counting-money-in-suit2

Movie Theater Charges Extra for Middle Seats

Could a surcharge be headed your way?

What would you do if your local theater only let patrons who paid more money…

By Sheiresa Ngo

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ComputerHealthStethoscope

Largest Real-Time Clinical Health Database Launched

Doctors and professionals can easily track consumer health

Practice Fusion, an electronic health records company, recently launched Insight by Practice Fusion, a free…

By Sheiresa Ngo

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take-time-to-plan-your-vacation_942_449042_0_14087291_500

Avoid a Vacation Rental Rip Off

Don't get tricked by fraudsters

If you’ve decided to skip the hotel and instead opt for a vacation rental, there…

By Sheiresa Ngo

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John_Hope_Bryant2

John Hope Bryant Talks about New Book and CFPB Partnership

Operation HOPE partners with CFPB

In part three of this series, Black Enterprise speaks with John Hope Bryant to learn…

By Sheiresa Ngo

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John_Hope_Bryant2

John Hope Bryant Talks about Project 5117

Black Enterprise spoke with John Hope Bryant to learn more about Project 5117, an…

By Sheiresa Ngo

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bank-of-america

Bank of America, Twitter, Nintendo Among Most Damaged Brands

Reputation of nine high profile brands that are taking a hit

Some brands have stellar reputations as a result of innovation, well thought-out marketing strategies, and…

By Carolyn M. Brown

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student loan

Sallie Mae and Navient to Pay $97 Million for Student Loan Violations

Government says 60,000 service members affected

The Departments of Education and Justice, and the Federal Deposit Insurance Corporation are cracking down…

By Sheiresa Ngo

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Moving-In-300x232

National Moving Month: Watch Out for Scams

Take heed to these tips to avoid fraudsters

May is National Moving Month, and if you plan to move anytime soon, it’s important…

By Sheiresa Ngo

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Legal Terms Every Business Owner Should Know

Watch out for Jury Duty Scams

Prince George’s County recently sent a message out to its residents, warning them about a…

By Sheiresa Ngo

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(Image: Thinkstock)

Government Creates Reserve to Prepare for Gas Shortages

Two years ago, Superstorm Sandy caused massive property damage and forever changed the lives of countless…

By Sheiresa Ngo

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target

Target CEO Steps Down in Wake of Data Breach

Target Corp. announced the replacement of Chief Executive Gregg Steinhafel on Monday. He had been…

By Sheiresa Ngo

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Groupon Offers New Bulk Service

Costco and BJ’s  might have some competition. Groupon is now offering a new service that…

By Sheiresa Ngo

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New Report: Small Businesses Creating Jobs, Giving Back and Growing Local Economy

Personal Income Slightly Rises in April

(Image: Thinkstock)
The U.S. Bureau of Economic Analysis (BEA) reports that personal income increased $78.4…

By Sheiresa Ngo

Posted: Tags: ,
minimum wage

The Effects of the Minimum Wage Block on African Americans

An increase in minimum wage can raise the income of African Americans by $5.2 billion

An increase in minimum wage can raise the income of African Americans by $5.2 billion

By Courtney Connley

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credit-card-debt-management

Financial Literacy Month: Dealing with Dirty Debt Collectors

When it comes to paying your debts, it’s important to know your rights so that…

By Sheiresa Ngo

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car insurance

Walmart Launches Auto Insurance Comparison Service

Walmart continues to be a one-stop-shop. Drivers can now compare auto insurance rates at the superstore.

Now, if you want to compare auto insurance rates, you can go to the superstore…

By Sheiresa Ngo

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Legal Terms Every Business Owner Should Know

CFPB Officials Face Subpoena

A vote was passed by the House Financial Services Oversight and Investigations Subcommittee to subpoena…

By Sheiresa Ngo

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Business Continuity Tips Discussed at Free Webinar Hosted by SBA and Agility Recovery

Financial Literacy Month: By the Numbers

The survey shows that we all have our struggles and encounter some ups and downs

Check out all the statistics

By Sheiresa Ngo

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(Image: Thinkstock)

How to Save Money on Travel

Here are five tips for keeping more cash in your pocket

Do you travel a lot?

By Sheiresa Ngo

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scam

Verizon Report Shows How Criminals Breach Your Data

Web app attacks, the most common breach, were to blame for 35% of data breaches last year

The report found that about two-thirds of data breaches involved stolen passwords

By Sheiresa Ngo

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It’s the perfect time of the year for international travel. With all the advancements in technology and mobile apps, traveling abroad isn’t as expensive as it used to be and there are plenty of ways to cut costs while getting more bang for your buck. Whether you’re embarking on your first journey abroad or you’re an experienced jet setter, here are a few tools to help you save money on the things that can eat up your travel budget faster than you can plan your trip.--Corvida Raven

Could Deceptive Airline Fees Make a Comeback?

In 2012, the Department of Transportation cracked down on this practice

The goal of this act would be to reverse the 2012 rule change, and allow…

By Sheiresa Ngo

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Fraud-300x232

Financial Fraud Ring Uncovered

A nationwide fraud scheme was uncovered by an employee of Pennsylvania-based Widget Financial…

By Sheiresa Ngo

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black-woman-shopping

Consumer Confidence Reaches 9-Month High

Consumer confidence is looking up.
The University of Michigan says in its Survey of Consumers that…

By Sheiresa Ngo

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Student-Loan-papers-620x480

Student Loan Rates Expected to Rise

Brace yourself, student loan rates could be on the rise. Unfortunately, higher rates will…

By Sheiresa Ngo

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HomeownershipCoupleManWoman

The CFPB Proposes E-Closing Pilot Program

New program tries to take the stress out of closing

The CFPB report is part of its “Know Before You Owe” mortgage initiative

By Sheiresa Ngo

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student loan

Do You Have a Private Student Loan? Watch Out for “Auto Default”

The Consumer Financial Protection Bureau recently alerted consumers to the fact that some students are being placed in default

The Consumer Financial Protection Bureau highlighted problems that have arisen with private student loans that…

By Sheiresa Ngo

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ATM Keypad

Virtual Tellers Might Be Coming to a Bank Near You

This cutting-edge technology is being used more by financial institutions looking to reduce costs

The virtual tellers do have some limitations, however

By Sheiresa Ngo

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Wal-Mart

Walmart Offers New Money Transfer Service

Walmart continues to be the store where you can buy almost anything

The new service is called Walmart-2-Walmart

By Sheiresa Ngo

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Walt_Disney_World_Resort_entrance

Disney World Proposes Raising Wages to $10 an Hour

Walt Disney Co. made an offer to the unions representing employees at its Florida-based Disney World park

The proposed pay raise would apply to full-time hourly employees

By Sheiresa Ngo

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black-woman-shopper-300x232.jpg

Personal Finance Author Manisha Thakor Talks About Women and Money

Money can be a touchy subject for some women. Words like “saving” and “investing” can be very…

By Jamarris Richardson-Mcfield

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Black-Unemployment

Jobless Rate Down in 21 States

The U.S. Bureau of Labor Statistics reports about 21 states had decreases in unemployment rates,…

By Sheiresa Ngo

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Fraud-300x232

2.6 Million Cards Affected in Data Breach at Michaels Stores

Michaels Stores announced that approximately 2.6 million cards may have been affected in a security…

By Sheiresa Ngo

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(Image: Thinkstock)

Median Weekly Earnings of U.S. Workers on the Rise

(Image: Thinkstock)
Median weekly earnings of the 104.3 million full-time wage and salary workers in the…

By Sheiresa Ngo

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Fraud-300x232

Proposed Bill Could Make Retailers Liable for Data Breach

The impact of the recent Target data breach continues to be felt, as state lawmakers…

By Sheiresa Ngo

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email hacking

Better Business Bureau Warns Consumers of Fake USPS Emails

Your passwords, usernames, and financial information could become vulnerable

Chuck McGann,United States Postal Service Corporate Information Security Officer, offers these tips on how to…

By Sheiresa Ngo

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ABA Offers Tips for Small Business Owners: Assessing Your Banking Relationship

Fake Credit Unions Steal Millions from Consumers

According to the complaint, it is alleged that Coughlin and Oxford International Credit Union collected more than $12.8 million dollars in deposits from more than 5,000 investors

From 2007 to 2009

By Sheiresa Ngo

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taxes

Social Security Stops Collecting on Old Taxpayer Debts

There is good news for those who owe outstanding tax debts. The Social Security Administration…

By Sheiresa Ngo

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Lease-Illustration-1-RGB-300x232

Harlem Tenants Fight Landlord Who Allegedly Won’t Make Repairs

What should you do if you're in a situation where your apartment really needs repairs, and you're not getting cooperation?

These Harlem tenants aren’t happy with their landlord

By Sheiresa Ngo

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car insurance

Do Age, Gender and Marital Status Matter When it Comes to Car Insurance Payments?

A new insuranceQuotes.com report has the answer

All drivers can pay less for car insurance, regardless of their gender, age or marital…

By Sheiresa Ngo

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Helping-Hand-620x480

How Can You Spend 1 Penny to Get Wal-Mart Workers off Food Stamps?

The Marketplace report says Walmart workers cost the government roughly $300 million a year in food-stamp costs

Would you pay extra to affect this social change?

By Sheiresa Ngo

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minimum wage

Maryland Passes Minimum Wage Raise, Raised to Over $10.00

In addition to tying the federal minimum wage to inflation, Congressional Democrats want to see an increase in the federal tipped minimum wage (it has been $2.13 since 1991)

The Maryland House of Delegates passed a bill that gradually will raise the state’s minimum…

By Sheiresa Ngo

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WellsFargo

Wells Fargo Introduces Interactive Tool for Parents and College Students

(Image: Thinkstock)
If you’re a parent or student preparing for college, Wells Fargo has a…

By Sheiresa Ngo

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be news

Toyota Recalls 6.39 Million Cars

Toyota says it is recalling 6.39 million cars worldwide due to five defects. Out…

By Sheiresa Ngo

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New Report: Small Businesses Creating Jobs, Giving Back and Growing Local Economy

U.S. Creates 192,000 Jobs in March

How is your job search going?

One significant turn of events is that private employers have regained all the jobs that…

By Sheiresa Ngo

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Helping-Hand-620x480

Alabama Restricts Welfare, Requires Drug Testing for Applicants

The state passes four bills that can put serious limitations on applicants

The four bills are awaiting the signature of Gov. Robert J. Bentley

By Sheiresa Ngo

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Financial Literacy Month: Five Tips for Financial Well-Being

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Are you financially well? If you’re not, don’t feel bad. There are plenty of…

By Sheiresa Ngo

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(Image: Thinkstock)

Personal Finance Word of the Day: Consumer Confidence

The Bureau of Economic Analysis reported last week that consumer spending and income was on the rise in February

Despite all this good news, the University of Michigan and Thomson Reuters assert that consumer…

By Sheiresa Ngo

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Save-money-1-1-170943_L

Results of the 2014 NFCC Financial Literacy Survey

Each year, the National Foundation for Credit Counseling conducts a financial literacy survey.
This year’s survey…

By Sheiresa Ngo

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(File)

How You Can Celebrate Financial Literacy Month

Learn a lot about financial terms and how to handle your money

There are plenty of free financial literacy tools you can take advantage of

By Sheiresa Ngo

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Eating-Healthy-300x232

What Young Adults Think of the Affordable Care Act

The Black Youth Project conducted a survey to find out how American youth feel about…

By Sheiresa Ngo

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What Business Owners Should Know about the Affordable Care Act

Know the difference between being self-employed and an employer. Before applying for coverage, know that…

By Sheiresa Ngo

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(Image: Healthcare.gov)

What Consumers Should Know about the Affordable Care Act

(Image: Healthcare.gov)
Today is the last day to enroll for affordable health care through the market…

By Sheiresa Ngo

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Woman-on-phone

Fandango and Credit Karma Settle FTC Charges of Consumer Deception

Both Fandango and Credit Karma settled Federal Trade Commission charges that they misrepresented the security…

By Sheiresa Ngo

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economy-rising

Consumer Spending and Personal Income Rise

There is more good news for consumers this month.
Personal income increased $47.7 billion, or 0.3%,…

By Sheiresa Ngo

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citigroup

Personal Finance Word of the Day: Stress Test

Citigroup Inc.’s capital plan was among five that failed Federal Reserve stress test. Also known…

By Sheiresa Ngo

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car insurance

Minor Violations Can Cause Car Insurance Costs to Spike

Be careful on the road or your bank account could crash

A violation for driving under the influence (DUI) is the most expensive to your car…

By Sheiresa Ngo

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The company formerly known as Research in Motion makes big announcement, unveiling a new operating system and new devices (Image: BlackBerry)

BlackBerry, Red Lobster, and Four Other Big Brands That Could Go Out of Business

Six companies in dire need of reshaping their business models

Did you ever think these brands would close their doors?

By Carolyn M. Brown

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(Image: Healthcare.gov)

Consumers Allowed More Time for Health Care Enrollment

(Image: Healthcare.gov)
If you think you might not be able to meet the March 31 deadline…

By Sheiresa Ngo

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black-female-sad-at-work-pf

Personal Finance Word of the Day: Frugal Fatigue

Are you tired of being frugal and want to spend a little?

Frugal fatigue happens when consumers get tired of pinching pennies and delaying gratification

By Sheiresa Ngo

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Fraud-300x232

Personal Finance Word of the Day: Ponzi Scheme [Video]

Bernie Madoff made this word as famous as it has ever been

The U.S. Securities and Exchange Commission defines a Ponzi scheme as an investment fraud

By Sheiresa Ngo

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woman-on-computer-phone-300x232

Personal Finance Word of the Day: Identity Theft [Video]

Have you ever been the victim of identity theft?

Identity theft can be committed in several ways

By Sheiresa Ngo

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identity-theft-300x232.jpg

Identity Theft Listed as Top FTC Consumer Complain in 2013

Fraud and identity theft combined for almost 70% of complaints last year

More than half of the complaints were fraud based

By Sheiresa Ngo

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Cash Mobs Support Small Businesses

Tennessee Ranks No 1 With Highest State-Local Sales Tax, Hurting Local Businesses

Higher taxes drive consumers to shop online, says report

Arkansas has the second highest state-local sales tax rate of all 50 states at 9.19%

By Carolyn M. Brown

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prepaid cards marketed to small businesses

Consumer Financial Protection Bureau to Update Prepaid Card Disclosures

It will be easier to understand fees

The Consumer Financial Protection Bureau announced yesterday that it is working on new disclosures that…

By Sheiresa Ngo

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Be honest in your financial dealings. “Dishonest money dwindles away, but he who gathers money little by little makes it grow.”     —Proverbs 13:11

Watch Out for Malaysia Airline Scams on Facebook

Don't fall for scammers' tricks

If you see a post in your Facebook feed with a video claiming the…

By Sheiresa Ngo

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Image: ThinkStock

Personal Finance Word of the Day: FINRA

Your daily money bite

Word of the day: FINRA
FINRA, which stands for Financial Industry Regulatory Authority, is a regulatory…

By Sheiresa Ngo

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extra money

An Analysis of Money Laundering [Infographic]

Don't even think about taking dirty money

Chances are you’ve heard of money laundering, but do you really know what it is…

By Sheiresa Ngo

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internet_1

Website Mistakes that Cost You Money [Infographic]

Don't make these blunders

If you’ve been trying to cut corners when it comes to your business website, you…

By Sheiresa Ngo

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extra money

Don’t Get Hustled In Your Search for a Good Side-Hustle

Looking for a free, easy, fast way to get money? Then scam artists and other predators are looking for YOU

Know the signs of a bogus business or work-at-home opportunity

By Alfred Edmond, Jr.

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black-woman-shopper-300x232.jpg

National Consumer Protection Week Starts Now [Infographic]

This week is National Consumer Protection Week (March 2 to 8)

What will you be doing this week?

By Sheiresa Ngo

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WhatsApp-Logo

WhatsApp Sales Means Major Payday for Employees

Employees to receive close to 1% share of company

One of the major headlines following the announcement of the purchase of WhatsApp by Facebook…

By Sasha King

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10 money moves - savings_crop

Personal Income Slightly Rises in January

Private wages and salaries increased $14.8 billion, amongst other areas

Government wages and salaries increased $0.6 billion, compared with an increase of $1.3 billion in…

By Sheiresa Ngo

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Should You Do a Crowdfunding Campaign?

Where to Go to Crowdfund Your College Tuition

Students think like entrepreneurs to meet school expenses

The average cost of tuition, fees, and room and board at a private, nonprofit, four-year…

By Sheiresa Ngo

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healthcare story

The White House Emphasizes the Importance of Enrollment in Affordable Health Care

Millions will have access to coverage

Nearly 6.8 million African Americans in the United States are uninsured

By Sheiresa Ngo

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BankruptcyCourt

Personal Finance Word of the Day: Automatic Stay

Your daily money bite

Learn what an automatic stay is

By Sheiresa Ngo

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Couple-managing-bills-300x232

Infographic: Two-Income Households Struggle More Than Single Income Ones?

Two incomes aren't necessarily better

Research shows two incomes aren’t necessarily better

By Sheiresa Ngo

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creditscore

Five Factors That Affect Your Credit Score

A guide to boosting your number

How high or low is your credit score?

By Sheiresa Ngo

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black-couple-and-stack-of-money-378x350

Do Men Still Earn More than Women? [Infographic]

A recent study answers the question

If you’re a woman, most times you can expect a smaller paycheck than your male…

By Sheiresa Ngo

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money-fans-122312-575hc

8 Ways to Fight Drip Pricing

Here’s what you need to do to protect yourself

Check your credit card statements for additional fees

By Sheiresa Ngo

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8. Barter services. If you have a friend who’s a genius when it comes to accounting, or you know someone who is an amazing artist, barter with them for their services. The more you can get for free, the faster you can grow your business. You don’t need big time capital (unless you’re building the next Facebook).Most business ,like my own, start from nothing. I had a word processor and my parents’ phone line. I bartered a lot early on, and as a result, I own 100% of my business today.

New Trading Service for Consumers

Website allows trading of goods and services through your social network

Igobono is a marketplace that helps members of a social network learn what their friends…

By Sheiresa Ngo

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(Image: Thinkstock)

Personal Finance Word of the Day: Absorption Rate

Your daily money bite

The final result will show how many months it will take to deplete the market’s…

By Sheiresa Ngo

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Tips for Getting Your Direct Mail Marketing Letters Read

Personal Finance Word of the Day: COB Fraud

Have you ever been a victim?

Do you know what this is?

By Sheiresa Ngo

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Shred, don’t toss, important papers.  Any sensitive documents that won’t be going with you should be shred, not just thrown into a trashcan. Identity thieves often go “dumpster diving” to find information or get paperwork they can use to illegally open accounts in your name.

Personal Finance Word of the Day: Data Breach

Your daily money bite

A data breach does not have to be digital

By Sheiresa Ngo

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money

Consumers Show Gains in Personal Income

Small improvements take place

Consumers demonstrate small improvements when it comes to personal income

By Sheiresa Ngo

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black-woman-shopping

Tips for Keeping Shopping Under Control

Regain control over your cash

Close your wallet

By Sheiresa Ngo

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Life Insurance 101: The Dos and Dont’s of Buying Life Insurance

Learn about the different types of life insurance

There are different types of permanent life insurance. All of them have a death benefit,…

By Tamara E. Holmes

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woman-on-computer-phone-300x232

U.S. Workers Lose Hope for Higher Wages and Job Security

Don't hold your breath when it comes to improvements on the job

Have you gotten a raise lately or feel insecure about your job status?

By Sheiresa Ngo

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man screaming at cell phone

Apple Inc. to Pay More Than $32 Million in Refunds

Billing practices to change

Parents were unaware of charges

By Sheiresa Ngo

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Number of People seeking Unemployment drops to 2008 levels

Jobless Claims Dip to Pre-Thanksgiving Levels

U.S. applications for benefits show a decline

Initial jobless claims went down by 2,000 to 326,000 in the week ending Jan. 11.…

By Sheiresa Ngo

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identity theft

More Customers Affected By Target Data Breach

Retailer revises numbers to show a lot more customers were affected than originally thought

Make sure you check—and then double-check–your account statements

By Sheiresa Ngo

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credit-card-use

4 Reasons to Ditch Department Store Cards Right Now

Don’t let the promise of rewards points keep you in debt

Why department store cards are a dead end

By Patrice C. Washington

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Swap your gift cards and get things you'll actually want.

How to Replace a Lost or Stolen Gift Card

Don’t panic if your gift card goes missing

If you can prove you purchased a gift card, or received one as a present,…

By Sheiresa Ngo

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The type of plastic you use matters

Don’t Make These Holiday Credit Mistakes

Don’t let these blunders ruin your holiday

Pay very close attention to the fine print and exercise self-control

By Sheiresa Ngo

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irs

IRS Announces 2014 Standard Mileage Rates for Business, Medical and Moving

Updates for the new year

Updated rates are coming for the costs of operating an automobile for business, charitable, medical…

By Sheiresa Ngo

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woman-computer-internet

FTC Updates Online Complaint Site

Changes are coming to FTC complaint features

The FTC has redesigned its online Complaint Assistant

By Sheiresa Ngo

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Women of Power

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REGISTER NOW: Black Enterprise Women of Power Summit’s 10th Anniversary

It will be a landmark year for the Black Enterprise Women of Power Summit in…

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Venus Williams

Watch Sonia Alleyne’s Interview with Venus Williams at This Year’s Women of Power Summit [Video]

Venus Williams was one of the featured speakers at this year’s Women of Power Summit.

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