FTC

When it comes to long term investing, I believe that you should focus more on dividend yields and cash flow versus speculation and share price appreciation. While this might mean avoiding sexy names like Apple (AAPL) and Amazon (AMZN), there is nothing unsexy about constant cash flow with regards to your assets.

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Dividend Income [...]

Bad economy and high unemployment means there are a lot of families facing financial crisis and possibly home foreclosure. Making Home Affordable refinancing and loan modification program is helping, but unfortunately, not everyone is eligible. This crisis creates opportunities for scammers who promise to stop foreclosure are out to make a quick buck. And this [...]

The global economy runs on a binge and purge cycle, which makes it especially difficult to stay steady and mindful on a personal level. It can be hard to resist living beyond your means during boom times, and even harder to keep your head up during the busts. But no matter how stormy it gets [...]

I recently came across a video by FTC that advertise AnnualCreditReport.com in a manner that mocks the more familiar commercials by FreeCreditReport.com. I had mentioned in the past that credit report from FreeCreditReport.com is not free because you have to sign up for one of their paid services to get it.
FTC AnnualCreditReport.com Restaurant Video
If you [...]

In the credit card world, scam operators are taking money from innocent customers without adding value, misrepresenting claims and simply performing shoddy service. Fortunately, customers have an avenue to complain and the FTC has also taken pretty tough actions. Below are some examples of the actions that the FTC has taken against some shady companies. [...]

Our society is filled with con artists who are promising people a lifeline through jobs, recession-proof income, and access to free government grant money. They are bleeding money from individuals like you and me, and from the economy as a whole. The Federal Trade Commission is cracking down on scammers trying to take advantage of [...]

It’s easy to obtain a free credit report ever since the Fair Credit Reporting Act legislation enabled you to obtain one free copy of your credit report every 12 months from each of the three major reporting agencies. However, getting your hands on your credit score for free isn’t so easy.
Currently, there’s still no absolutely [...]

As a result of the ongoing credit crisis that seems to be hobbling everyone, consumers are starting to see more and more fees for credit card services and features that we all had grown accustomed to getting for free. Credit has simply gotten more expensive in a very short amount of time for all of [...]

Reverse mortgages are one way senior homeowners who are 62 years and older may be able to tap the home equity.  A reverse mortgage gives the homeowner money they need without having to leave the house and without having to repay the loan until the owner dies, the home is sold, or the house is [...]

Since I write about selling unused stuff on Craigslist and eBay, I just want to share my recent experience with you. Basically, you have to be careful with who you are dealing with when you are selling in these online markets. There are a lot of scammers in these marketplaces and you don’t want to [...]