There is one important thing running through the minds of every working individual out there. Man is socially pre-programmed with a desire for stability and security and thus pension arrangements form an important part of any person’s future plans. There have been different retirement plans that have been preferred by people at different points of time. But the one that is said to be most favoured in the current scenario is roth-ira.org. I Read more…

FTC Issues Report: “Forty Years of Experience with the Fair Credit Reporting Act”

The Federal Trade Commission today issued a staff report, that compiles and updates the agency’s guidance on the Fair Credit Reporting Act (FCRA), the 1970 law designed to protect the privacy of credit report information and ensure that the information supplied by credit reporting agencies is as accurate as possible. A credit report contains information about a consumer’s personal and credit characteristics, character, and general reputation and is used to make credit, employment, insurance and other decisions.

The new staff report, entitled “Forty Years of Experience with the Fair Credit Reporting Act: An FTC Staff Report and Summary of Interpretations,” provides a brief overview of the FTC’s role in enforcing and interpreting the FCRA and includes a section-by-section summary of the agency’s interpretations of the Act.

The FTC is also withdrawing the agency’s 1990 Commentary on the FCRA, which has become partially obsolete since it was issued 21 years ago. The 1990 Commentary

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In an ongoing effort to stabilize the collection industry, the Federal Trade Commission is concerned about the litigation and arbitration process in its current state, and for good reason. A

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Have you ever spent the weekend sewing, painting, crafting, gardening, restoring old furniture or any other hobby for that matter, and thought to yourself, “Now this is fun. I wish I could do it for a living?”  Who hasn’t? Only 20 years ago, that may have been a pipe dream. But with the advent of the Internet and its numerous e-commerce opportunities, thousands of people are finding that generating cash from your hobbies is one of the best part time money making ideas. With a little bit of know-how, you can, too!

The crafting world is so varied, it’s impossible to provide one solid start-up figure. Yours will depend upon your materials costless for the knitter, more for the metal smith, for example. Other th

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This is a HUGE problem. In a financial version of Night of the Living Dead, debts forgiven by bankruptcy courts are springing back to life to haunt consumers. Fueling these miniature horror stories is an unlikely market in which seemingly extinguished debts are avidly bought and sold.

The case of Van Rathavongsa illustrates how canceled debts regain vitality. The Raleigh (N.C.) factory worker pulled himself out from beneath a mountain of bills by means of a bankruptcy proceeding that wrapped up in 2002. One of the debts the judge canceled, or “discharged,” was $9,523 Rathavongsa owed to Capital One Financial (COF), the big credit-card company. But Capital One continued to report the factory worker’s discharged debt to credit bureaus as a live balance, according to documents filed in U.S. Bankr

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Pay your bills using gift cards!

Are you one of the millions who have unused gift cards laying around?

Good news for you then because two companies have teamed up to allow consumers to use gift cards to pay off bills like utility, car payments and perhaps even credit card bills. ChargeSmart, a credit card bill pay service & Plastic Jungle a gift card selling/trading provider have recently announced that they’re rolling out the new technology in just a few months.

According to an article in the OC Register today, both companies unveiled the new plan last week in San Fransisco. W

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