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"Looking for some new ways to find deals and conserve cash? Check out these bargain-hunting Websites." Recession or not, everyone looks for ways to save money without too much compromise. Thankfully, the Web has many deal-hunting tools to help you fulfill your shopping urges without breaking the bank. Beyond the old standbys like Craigslist or FatWallet.com, a few new sites have sprouted up with truly unique ways to help you stretch your budget. One caveat: These sites require some quality hun... Continue reading ...
With Cyber Monday, the unofficial start of the Internet holiday
shopping season nearing, a Senate committee Tuesday condemned three
online companies, saying they are tricking consumers into signing up
for subscription services they don't want. Internet companies
Affinion, Vertrue and Webloyalty are using aggressive sales tactics to
scam millions of customers, the Senate Commerce Committee said.
According to a committee report, the three companies enter into
agreements with other more familiar... Continue reading ...
Middle-class shoppers who have been hit by the recession are
stealing hundreds of millions of pounds of expensive food in an effort
to maintain their high standard of living, according to a new survey.
Quality cuts of meat, fresh fish and high-priced cheeses are being
taken by mostly middle-class women from speciality food and convenience
shops, where thefts have risen sharply in the past year. Thousands of
retailers have found that luxury foods are being stolen for individual
use rather than... Continue reading ...
On television it’s hard to miss the wildly popular band of slackers singing ruefully from a shabby apartment or while waiting tables in pirate regalia. The ruined credit that led to their financial misfortune might have been sparkling if only they’d tracked their status on freecreditreport.com. The Federal Trade Commission is not amused. It has long believed that the company that owns freecreditreport.com is deliberately diverting people from a government-mandated site where consumers can... Continue reading ...
Just as the housing sector appears to be recovering, gathering
problems in the commercial real estate market threaten to become a new
drag on the economy.
The collapse in home prices sunk
many big banks last year, but this year smaller lenders and community
banks are going bust at an alarming rate because of their exposure to
souring commercial real estate loans. At
least 115 banks have failed this year, many because of their exposure
to deteriorating commercial loans for retail space, of... Continue reading ...
Loraine Mullen-Kress carries a Bank of America credit card and religiously pays off her balance. "Flawless credit," she boasted.
Yet now, her good credit habits could cost her. Earlier this month Bank
of America started notifying customers like Mullen-Kress that they will
be charged a new annual fee of $29 to $99.
"There is a big segment of their population that they will have never
made money on, which is people who pay their bills on time every
month," said Ben Woolsey, Director of Consu... Continue reading ...
Whether a newbie or seasoned budgeter, nearly everyone has spending
holes -- leaks in your budget that drain money with you hardly noticing. These
small drips can add up to big bucks. Once you find the holes and plug
them, you'll keep more money in your pocket. That spare cash could be
the ticket to finally being able to save, invest, or break your cycle
of living paycheck to paycheck.
Here are 20 common ways people waste money. See if any of these sound familiar, and then look for ways to pl... Continue reading ...
Marketers may dream of coming up with a product that skyrockets in
popularity as soon as it is introduced to the public. New Wharton
research, however, indicates that products which catch on too quickly
may end up being less successful overall.
To explore patterns in "cultural adoption and abandonment," Wharton
marketing professor Jonah Berger, and Gael Le Mens, an economics
professor at the Universitat Pompeu Fabra in Barcelona, tracked the
popularity of first names over 100 years in France... Continue reading ...
The Great Recession is pushing many highly educated women who had left
work to stay at home with their children to dive back into the labor
pool, according to several nationally recognized experts on women in
the workplace. Many of these women are sending out job applications for the first
time in years because their husbands were laid off, fear being laid off
or had their salaries cut or because their family’s investments plunged
in value. Last February Trudi Foutts Loh felt compelled to fi... Continue reading ...
You’re not Quite Ready If…
1. You’re not comfortable being the decision maker
Are you the kind of person who is comfortable having the final, non negotiable say in something? You’ll need to be when you decide to start your own business. Countless times you will need to make “make or break” decisions about your business and those decisions will be yours alone. Other times you will need to draw a line in the sand and stick by your guns on a decision you know is right for your bus... Continue reading ...
Hearing the anger over new fees introduced months ago with minimal notification, Paypal is now looking to set the record straight. In an official blog post, director of product marketing Heinz Waelchli explains the reasoning behind what anyone who happened upon Paypal's terms of service since mid-June has known: If you have a Personal account, you'll pay a fee of 2.9 percent, plus 30 cents, to get transfers from other Paypal accounts filed as "Goods" or "Services." Money transfers to friends an... Continue reading ...
The oft-touted problem whenever the loonie begins to rise against the US dollar is that it will hurt Canada’s exports to the U.S.. If the rise is too quick or too much, the Finance Minister - currenty Jim Flaherty - has been known to step in and threaten “intervention” to ensure that the rise will be tempered. The solution to this problem of not getting fair value for the loonie is for Canada to move away from being so trade-dependent on the U.S. Among other materials and resources - l... Continue reading ...
Shanghai and Beijing are becoming new lands of opportunity for recent
American college graduates who face unemployment nearing double digits
at home. Even those with limited or no knowledge of Chinese are heeding the
call. They are lured by China’s surging economy, the lower cost of
living and a chance to bypass some of the dues-paying that is common to
first jobs in the United States. “I’ve seen a surge of young
people coming to work in China over the last few years,” said Jack
Perkow... Continue reading ...
US banks stand to collect a record $38.5bn in fees for customer overdrafts this year, with the bulk of the revenue coming from the most financially stretched consumers amid the deepest recession since the 1930s, according to research. The fees are nearly double those reported in 2000.
The finding is likely to increase public hostility towards the financial sector, which has been under political pressure to ease the burden on consumers by increasing credit availability and lending more fairly... Continue reading ...
Advertise Externally on this PTC Site Home Page and Internally to our Members. This is a free to join Professional Advertising Manual Traffic Click Exchange and Ads Promotion Paid-to-Click (PTC) Website for Members to participate and Advertisers to advertise. It is free of cost for our all our Members and Advertisers to join today. However, participation and business a... Continue reading ...
....Try to be logical: You demand work from your employees but take care not to ask them for truly impossible. Don’t insist them to work in late hours daily and all weekend for something which is not urgently required. Don’t shout and force them to work in such a tiring and uncomfortable situation.
Keep your words: If you say something then let it happen whether it’s regarding bonus of employees, giving feedback on a project, liaising with another department. Do what you say you’re g... Continue reading ...
"Good Financial Cents…."
- You Need A Budget, period. Until you see your budget on paper, you’ll never have a full understanding of where your money is going...
- Use The Budget..helps you live according to your financial goals. By setting spending and saving goals, and adhering to them, you can make sure your money is working for you, rather than you being a slave to your (lack of) money.
- Before you can get out of debt, you need a positive cash flow. Having a positive cash flow takes so...
Continue reading ...
You have received a letter in the mail saying that a bill on which you owe has been sent to collections. Whether this is the first letter you have received or the collection agency has been calling you to collect, the most important thing is that you take care of your debt in collects immediately before you incur more interest, acquire more fees, and blemish your credit record. Here are the steps you should take immediately.
Evaluate the Bill in Question
The first thing you should do is gat... Continue reading ...
Disgraced financiers like Bernard Madoff attract the headlines, but investment schemes happen everywhere, according to North Carolina Secretary of State Elaine Marshall.
The Securities Division in Marshall's office is investigating 10 such pyramid schemes, and she said the sour economy is helping expose them.
"What we are seeing now in these incredibly difficult times (is) people are wanting their nest egg and they are wanting it out," she said.
Pyramid schemes, which are also known as Pon... Continue reading ...
Regulators should restrict the size of banks to make sure they do not become "too big to fail", according to the president-elect of Switzerland's central bank.
Philipp Hildebrand said the country's two big banks, UBS and Credit Suisse, still faced a perilous situation despite measures being taken to reduce their risks.
Speaking at the half-yearly conference of the Swiss National Bank (SNB) in Bern on Thursday, vice-president Hildebrand called for new international regulations to deal with l... Continue reading ...
It may be no surprise, in light of the global economic recession, that the world's richest nations have failed to deliver much of the aid they promised Africa four years ago. But campaigners are not letting the Group of Eight (G-8) industrialized countries off the hook. According to ONE, an advocacy group founded by U2 singer Bono, most of the blame for the shortfall in pledges made at the high-profile Gleneagles summit in 2005 rests on just two countries — Italy and France. Italy, which ne... Continue reading ...
According to a recent worldwide survey, Australia has been found to be the best place for conducting businesses during recession. This is to suggest that anyone who would be immigrating to Australia can be sure to benefit from a strong standing economy and enhanced investment security, even at the time of recession and the recovery period.
Earlier this year, entries through Australian skilled migrant program has been restricted by the government. This is to ensure that fewer people are migra... Continue reading ...
Ten of the nation's largest banks were given the green light
Tuesday to repay $US68 billion in government bailout money, freeing
them from restrictions on executive compensation that they say are
making it hard to keep their top-performing executives.
The Treasury Department said the banks had been approved to
repay the money they received from the Troubled Asset Relief Program
created by Congress in October at the height of the financial crisis.
Experts say allowing 10 banks to return $US68 ...
Continue reading ...
Canadian municipal leaders threatened to retaliate against the "Buy
America" movement in the United States on Saturday, warning trade
restrictions will hurt both countries' economies.
The Federation of Canadian Municipalities endorsed a controversial
proposal to support communities that refuse to buy products from
countries that put trade restrictions on products and services from
Canada.
The measure is a response to a provision in the U.S. economic
stimulus package passed by Cong... Continue reading ...
There have no been no failures of financial institutions, no large
scale bailout of banks and the financial system did not undergo severe
systemic pressures like it did in the U.S. and UK. Let's review some of
the key points from this report. 1. Sound Supervision and Regulation:
Regulators follow some of the best practices with respect to
supervision of institutions including the new Basel principles for
banking supervision. As a result writedowns by Canadian banks have been
much smaller when ... Continue reading ...
"British official makes plea for free trade"A senior British trade official has told an audience
in Switzerland that it is crucial for markets to remain open and for
protectionist pressures to be resisted.
Susan Haird, who
is deputy chief executive of the government organisation UK Trade and
Investment, said in Bern on Thursday that it was important for trade
and investment to continue during "these challenging economic times".
"Otherwise the recession will get worse rather than ... Continue reading ...
"A Battle Plan for Refinancing Your Mortgage"
With mortgage rates holding below 5%, there has rarely been a better
time to refinance your home. But with a one-two punch of tighter credit
and falling prices roiling homeowners, the process has never been more
difficult.
In the Sacramento, Calif., area, Michael McGee of Winchester McGee
Financial estimates that one in four of his customers can't get a loan
approved. In Plano, Texas, Rodney Anderson, a mortgage lender, says the
rate sheet of mort... Continue reading ...
"What Does Your Credit-Card Company Know About You?"Rudy Santana’s day began recently, as almost
all his working days begin, with a name on a screen. The name that
April morning belonged to a Massachusetts man in his mid-30s. He owed
money...the screen told Santana, and was separated from his wife. He was behind
in paying back $28,900.97 in debt. Which was why he was on Santana’s
screen. hen Santana reached him by phone, the man quickly began talking about
his ex-wife. “Listen,” the ma... Continue reading ...
"Even to Save Cash, Don’t Try This Stuff at Home" Saving money never cost quite so much. When the toilet in Carol Taddei’s master bathroom began to break
down a few months ago, she decided it would be cheaper to buy a new one
than pay for repairs. Ever frugal in this dismal economy, Ms. Taddei, a
retired paralegal, then took her economizing a step further, figuring
she could save even more by installing the new toilet herself. Initially,
things looked good with the flushing and the swishin... Continue reading ...
"Want to Save? Put It on the List"You know times are hard when the shopping list makes a comeback.
As the recession takes hold, consumers who used to shop impulsively
are seeking ways to rein in their spending, and many are finding that
sticking to a list can help them navigate through stores and limit
their purchases.
Until recently, Eileen Burke's main goal when shopping was "to get
in and get out" of the supermarket quickly. But now, financial worries
have Ms. Burke working to trim her sho... Continue reading ...
"How to be smarter when the market comes back"Is this a new bull market? Nobody really knows for certain. But one
will -- presumably -- come along in due course. Will investors make the
same mistakes they made last time, or will they be wiser? Here are 12
rules for the next bull market -- whenever it turns up.
1. Go global.Most investors prefer to stick to their "home"
market. It's a mistake. America accounts for only a fifth of the world
economy but a third of its share values. No one knows ... Continue reading ...
"How to Correct Errors in Your Credit Report"Everybody makes mistakes. But not every mistake is forgiven. In our
capitalist society, mistakes with money are carefully logged,
categorized and entered into a formula that controls your financial
future -- your credit score. But what happens when the companies that keep this list make
mistakes? After all, the credit bureaus -- which keep the list of who's
been naughty and who's been nice -- are staffed by people who are just
as fallible as the res... Continue reading ...
They say -"Pay credit card bill early and save." In 2005, the Corbett family had about $500 in savings and $12,000
in consumer debt. About half of the money they owed was a result of
credit card obligations.
"We were spending every dollar that came in, and then some," says
Jason Corbett, a 34-year-old nonprofit manager who lives in Sope... Continue reading ...
"A New Web Site Helps Borrowers"
HOMEOWNERS who are having trouble making their monthly mortgage
payments may be able to get some relief by modifying the terms of their
loans. The federal government’s Homeowner Affordability and Stability Plan
is aimed at owners whose mortgages are backed by Fannie Mae and Freddie
Mac, while other individual lenders are offering help as well. But
borrowers may have a difficult time determining if they qualify for
these programs, in large part because loan-modi... Continue reading ...
"Seven Questions to Ask When Picking a Financial Adviser"As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put
your money on autopilot. Now the market is in chaos and thousands of
investors have been devastated by fraud, with Madoffed threatening to
become an all-too-common verb. Small wonder that many investors are getting reluctant to put their
faith in experts. Mor... Continue reading ...
"Is Your Investing Personality in Your DNA?"Whatever investing mistake you have committed lately, there is
probably a gene that is often associated with that behavior. Are you
predestined to be the prisoner of your genetic code?
To find out, I recently spent a day at the University of Pittsburgh
getting a battery of DNA analyses and brain scans. I consider myself a
patient and disciplined investor, so I volunteered as a guinea pig in
Ahmad Hariri's imaging genetics lab to learn how my genes a... Continue reading ...
"Financial Prescriptions"The recession and souring job market has deepened consumer worries
about rising medical costs. But there are things patients can do --
before or after they get sick -- to gain more control of their
health-care dollars. Many unemployed workers are finding that individual health plans are
not as generous as their work-based insurance. Even those still covered
by group plans may face higher premiums and co-payments, and one costly
treatment could push them into medical de... Continue reading ...
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