February 4, 2008SPECIAL TO THE BEACON NEWSA few simple steps can make a dramatic difference in one's financial life, and there's no better time than now to get pointed in the right direction. Consumer Credit Counseling Service (CCCS) recommends that consumers review where they are in order to determine where they're headed, and encourages them to consider implementing the following tips. .. read all ..
Wed Jan 9, 2008'Consumer Credit Counseling Service and MassMutual Team Up to Enable Familiesto Apply For Free Life InsuranceLifeBridge(sm) Program Puts Money In Trust to Pay for Children's EducationalExpensesCAMARILLO, Calif., Jan. 9 /PRNewswire/ -- Consumer Credit CounselingService (CCCS) announced today it is teaming up with MassMutual FinancialGroup to offer eligible families free $50,000 term life insurance policiesunder MassMutual's LifeBridge(sm) Free Life Insurance Program. If an insuredparent or legal guardian passes away during the 10-year term of the policy,Massachusetts Mutual Life Insurance Company (MassMutual) will put $50,000 intrust to pay solely for the educational expenses of dependent children' .. read all ..
By MARTIN CRUTSINGER, AP Economics Writer Thu Feb 7'WASHINGTON - Consumers increased their borrowing in December at the slowest pace in eight months, additional evidence that economic activity was slowing significantly at the end of last year. For all of 2007, consumer credit rose at the fastest clip in three years.' ...read all ..
Synchronica plc, an international provider of mobile email and synchronization solutions, will announce Mobile Backup 1.2 at the Mobile World Congress in Barcelona, with major feature enhancements to drive up consumer adoption rates and revenue and drive down support costs.Consumers are increasingly using their mobile phones as the sole repository for social and business information. For many, the loss of a handset itself is much less traumatic than the loss of the precious contact information, a social network, that it held. For operators, this means a loss of revenue because users will initiate far fewer phone calls and send far fewer text messages during the several months it takes to restore that social network to a new phone. By using Mobile Backup from Synchronica, operators and service providers can prevent loss of ARPU and add value to their services by offering insurance for their subscribers' personal information. If the customer loses or upgrades a phone, the service painles
The number of bad credit consumers in the US is increasing rapidly day by day.This website helps people with the bad credit loans to get back on their feet and lead a prosperous life.The main mistake which the people makes is to accept the first credit offer they recieve.This website is the leading website and it allows the visitors to compare many dozens of bad credit offers from the providers.This in turn helps the consumers to choose the best credit offers.They can also make payments on time by choosing the best credit offers from this website.One can also get offers such as home loans and there are variety of credit cards to choose from.This is a must visit website for those suffering from loans.*This is a sponsored post
When a person applies for a loan, his credit history is reviewed. He may not qualify for a loan if he has a bad credit history. Don’t be discouraged by refusal. There are hundred of lenders who offer loans to people with a bad credit history. I would urge you to visit BadCreditOffers.com. It is a free consumer guide, which can help you to bad credit loans. They daily monitor the lending market and list bad credit offers on their site.
Here comes the list of top 10 ‘last man standing’ gadgets from Consumer Electronic Show 2008. Which one do you think will be the hero? Stay tuned with us!
Eye-Fi is a specially designed low-power wireless chip with a 2GB memory card. When installed in just about any of today’s digital cameras, it automatically transfers photos [...]
Link for this Post: CES: Dude, Where’s My Driverless Car? on All things Digital While New Hampshire was busy giving Hillary Clinton a come-from-behind win, in Vegas, we were busy checking out cutting edge technology at the Consumer Electrics Show. The Image to the right is s prototype of a...
CES started today and the wheels are a spinnin’. Over the next few days I’ll post some good new product reviews, hype, and information coming out of the show. I had the chance to watch Bill Gate’s keynote earlier, I’ll give a reaction to that too. Stay tuned!
Once you have your consumer credit reports in hand, you should review them carefully. The reports from each of the consumer credit reporting agencies differ in format, clarity and completeness. Some are easier to read and understand.
There are several critical pieces of information you should check for in every report you receive:
Verify that all of the information about your identity is correct
12-08-2006, (3 posts)First comment from this forum :"I have an interview coming up with CCCS and need some general advice before I go ahead please.My situatuation is I have retrained to another career (Aviation) and I amapplying like crazy to companies for positions but no success yet.Meanwhile I am struggling to keep my head above water paying off all the debt I have built up and am trying to avoid any defaults CCJ's etc, so in summary below is what I owe and how things have gone thus far.Currently oweEgg CCard 5000Egg Money 5000N Rock 3000Cahoot 9000YB Visa 4000GM Card 4000Halifax Loan 3500Capital Bank13500Total 47000When I get sorted with a good job I wish to move house because our family is expanding so we need more room, below then are a list of questions relating to what consequences will occur due to dealing with CCCS other thansome peace of ming (Hopefully)1. Credit rating already knackered will it get worse by dealing with CCCS2. D
Thu Aug 03, 2006(8 posts)First comment from this forum :"I would like to know how it will affect my credit? Does anyone have any experiences good or bad with CCC? I also found Clear Debt Solutions online and was curious about them."see this forum at : http://creditcardperks.webgroups.biz/phpBB2/viewtopic.php?t=9965#54113
After today's close we'll get to see earnings numbers out of Bed Bath & Beyond (NASDAQ: BBBY). First Call has estimates pegged at $0.52 EPS on revenues of...
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January is always an interesting month for gadget lovers, techies, programmers, computer geeks, gamers, and more. The year is always kicked off with the...
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I can't stress this enough. People, please read the fine print on your store offer coupons. The inability to read the fine print accounts for some 95% of the headaches clerks in the service industry suffer when dealing with customers and their precious coupons.5 Zoom(s)
2006First comment from this forum :"I'm trying to not file for bankruptcy. Overdraft protection is the only thing keeping me from making late or no payments at all on my bills and that's nearly maxed out. I'm in huge cc debt, apppr 35k, and bankruptcy seems like the easiest way out and to feel like a person again. I want to try and fight my way out of this mess if I can. I would like to see if a service can help me but know there's a lot of scams out there. Is CCCS a debt consolidation service like Debtco or are they two different things? How do I go about finding a fair and reputable service? What types of questions should I ask? I'm near Portland, OR. Anyone have a suggestion of where to find a good service or lawyer (if bnkrp is in the future)?Also, is a charge off really that much better or different than filing for bankruptcy? What's the difference when it comes to your credit report and how it is viewed by potential lenders?"see this forum at : http://answers.yahoo.com/question/?
Crude oil rose more than $2 a barrel in New York after a U.S. government report showed consumer spending gained the most in more than two years, signaling economic growth and oil demand may be stronger than expected.``Energy prices got a shot in the arm when consumer spending showed a much brisker pace that what people were looking for,'' said James Cordier, founder of Liberty Trading Group's OptionSellers.com in Tampa. ``That would add strength to the idea that demand could still be strong.''READ MORE... The Commerce Department report comes as oil heads for its biggest annual gain in five years. The 1.1 percent jump in consumer sales last month may reduce the possibility that the economy will contract this quarter. Oil has fallen 6 percent from a record $99.29 on Nov. 21, on concern demand may decline as economic growth slowed.Crude oil for February delivery rose $2.25, or 2.5 percent, to settle at $93.31 a barrel at 2:50 p.m. on the New York Mercantile Exchange, the highest close sin
A pair of plain-language guides that outline the latest scientific evidence on the effectiveness and safety of oral medications for adults with type 2 diabetes are now available from HHS’ Agency for Healthcare Research and Quality ( AHRQ ) .
AHRQ’s analysis is the first to summarize evidence on the effectiveness and adverse events for all [...]
This morning we saw the release of the Producer Price index, or wholesale inflation. Inflation is the key word today. The headline PPI number for November came...
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Not only the United States recorded an alarming rate of “bad credit” consumers, many (if not all) countries has had its growing shares of credit-lovers-turned-credit-troubled citizens, too. A grave predicament of today’s times, if not properly dealt with, may result to a besmirched reputation, job-loss, divided relationships and broken homes. But as one saying goes: “dwell-not in problem but in the solution”. BadCreditOffers.com indeed, is a willing and a timely part of the solution.So how does it help?As a practical resource, the online program was created for the mere purpose of guiding consumers on various how to’s:1. how to monitor their bad-credit history2. how to mend a mounting debt3. how to find the best credit offer in the marketplaceBe it vis-à -vis on credit cards, home/auto/personal loan issues, credit reports & repairs, B.C.O can surely help-out, as per years of proven competence in the credit industry. It does not process applications, charge fees, or col
Trendwatching.com is a consumer research firm who publishes a free monthly report that is full of information about current consumer trends. This month they feature "8 Important Consumer Trends for 2008" , which describes trends like the premiumization of everything from 20 dollar water to fashionable toilet paper and people projecting their green ideals through consumption of eco-iconic brands. The only caveat is that the source of their analysis is through crowdsourcing, as they rely on a network of spotters all over the world rather than actual research. However, the report is a very good overview of some emerging global consumer trends.
First comment from this forum :Oct 28 2004 (10 posts)" I am considering a Consumer Credit Counseling service.Anyone out there tried one or recommend one or wish to comment on their experiences?If it's too personal, I understand. PM's are welcome."see this forum at : http://www.paulding.com/forum/index.php?showtopic=13510
Are you a bad credit consumer? If yes, then I think BadCreditOffers.com is the right place for you. BadCreditOffers.com helps you to monitor the current marketplace so that you will easily find the most suitable bad credit loans providers. As a great resource for achieving your credit purposes, this site categorizes “bad credit” offers in Credit Cards, Home Loans, Auto Loans, and Personal Loans. Other great features in BadCreditOffers.com are Credit Report and Credit Repair sections. Credit Report is where you can get your credit score from a trusted provider online. You can also monitor your credit history with a 30-day free trial and 24-hour fraud alert. Whereby Credit Repair is where you are able to compare services that offer credit repair, debt settlement, and debt consolidation.As a summary, this website helps you to rebuild your credit and your financial future. Get ready to find the best credit offer to fit your financial needs? Visit BadCreditOffers.com now!
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First comment from this forum :"is consumer credit counseling going to help us out of foreclosure or make our situation worse?"see this forum at : http://malaysia.answers.yahoo.com/question/index?qid=20060711105026AA1UFhV
NOTE: Updated 18 Nov, 2007 after consultation with my the marketing expert, my wife.Last week, I was in charge of this undergraduate class and I suddenly realised that a number of the students were using the words 'consumer' and 'customer' interchangeably. Guess this is true for a lot of people on the street. However, I have on some occasions come across some academics making the same mistake at academic conferences. As used in marketing terminology, there is a difference between the two concepts. The term 'Customer' refers to individuals or households that purchase goods and services generated within the economy. On the other hand, a 'Consumer' is someone who uses the products or services. At a glance, there doesn't seems to be any difference but if you examine closely, there is. For example, A mother who does the shopping for the family in a supermarket is a customer. She and the rest of the family sit down at the dining table to eat the food she has bought and they are all consumers
Just when you finished wiping drool off your chin from the introduction of Canon’s two new uber pro-style EOS Mark III cameras, the photography giant slips in to sate your DSLR technojones with its Mark III understudy, the 10.1-megapixel EOS 40D. Sporting a substantial array of new useful hardware and software advances, the 40D eclipses the performance of its 30D predecessor and propels it even closer to its loftier brethren.What’s so great about this new pro-sumer shooter? Well, the list of changes and improvements on the 40D is actually pretty long, so let’s keep it to the stuff that’ll really rock your picture making. First, the 9-point focusing system is quicker and more accurate. It shoots six frames per second and, because it’s packing the tech trickle down pro line Digic III processor, the image buffering has more than doubled. Images are moved to the memory card faster and in more bit depth than its older 30D bro. There's been lots of hubbub about the “see what the
First comment from this forum :"My debt payments are straining my income to the breaking point. I do not want to declare bankruptcy, I am not able to secure any loans, and do not have house equity to cover my debts.The good news is I have a steady job and brighter prospects for the future.I have been advised to work with CCCS -- Consumer Credit Counseling Services -- to set up a payment plan for my debts. I have also been told of an outfit called Curadebt (www.curadebt.com) that claims to not only consolidate your bills, but negotiate some down.Do any of you have additional advice or comments on these approaches? Thank you very much."see this forum at : http://forums.kiplinger.com/showthread.php?t=3707
The photographic industry has voted Amateur Photographer (AP) 'Best Consumer Magazine' in prestigious awards organised by UK trade magazine Pixel.AP beat a host of rival publications to take the accolade.Commenting on the news, AP's Editor Damien Demolder said: 'We won because camera retailers, mini-labs, distributors and camera manufacturers all used their votes to say that AP is the best consumer magazine in the UK. They think AP is more relevant, up to date, believable and entertaining than any other magazine.'AP's publishing director Alex Robb added: 'This is a very well-deserved accolade for the magazine and everyone involved with it. Congratulations on a great team effort.'Chris Cheesmanmore : amateurphotographer
First comment from this forum :"I was wondering if anyone has ever used the Consumer Credit Counseling service before. If so, besides helping you get your debt paid off, was it a good experience?"see this forum at : http://forums.dmmoms.com/viewtopic.php?t=1588
First comment from this forum :"How can I file a consumer complaint against LendingTree.com? I live in Arizona and filled out an application through their website. I already closed on the mortgage, but they are now sending me disclosure documents after the fact, which would have affected my decision to proceed with the loan. I was also misled during the application process and want to know if I have any recourse against this company."see this forum at : http://www.laborlawtalk.com/showthread.php?t=5304
Blogs, podcasts, video-sharing sites, social networks ... You will find below great graphical representations of Forrester's Social Technographics® research results … a very informative set of charts as to the demographics of Internet users and how they spend their time...
BloggingZoom is an incredible new social bookmarking service, designed to help drive more traffic to your blog.
How is it going to drive more traffic to your blog? Simple. BloggingZoom uses open submission policies (for bloggers, no mass media al9 Zoom(s)
'Ratatouille' DVD reviewed at Jeremy's Consumer's Corner
For those of you that were unable to catch it on the big screen, or just prefer waiting on the DVD release, I've given 'Ratatouille' a complete run down to let you know if it8 Zoom(s)
I've always enjoyed eating out; nothing too fancy, but it's nice having a full service, sit down meal now and then. Problem is, if you're a consumer living on a budget, dining out can be quite expensive.3 Zoom(s)
You've watched the TV commercials, heard the radio ads, saw the web banners and SPAM in your e-mail: "LOWER your interest rates and payments!" "Combine your bills into ONE LOW monthly payment!""We can eliminate up to 60% of your debt through negotiations!" Who are those outfits and WHAT will you get? They promise to reduce your debts and payments, often hyping their non profit status. The non profits are usually funded by the finance industry, the goal is to reduce bankruptcies. Creditors don't want the debts discharged, they rather forgive some interest and fees and collect whatever they can. I also reviewed some of the contracts for debt negotiators and I was appalled by the outrageous fees charged to the people who would often qual
Thursday November 1, 8:51 am ETBy Martin Crutsinger, AP Economics Writer Consumers, Battered by Housing Downturn and Credit Crunch, Slow Spending in September WASHINGTON (AP) -- Consumers, battered by a steep downturn in housing and a severe credit crunch, slowed spending growth in September to the weakest performance in three months.The Commerce Department reported Thursday that consumer spending rose by 0.3 percent in September, slightly lower than the 0.4 percent increase that analysts had been expecting. Incomes grew by 0.4 percent, matching the August gain, and in line with analysts' forecasts.Economists are worried that consumers, the main support for the economy, may cut back on their visits to the malls in coming months as they struggle with the housing slowdown, tighter credit and now record-high oil prices.The Federal Reserve on Wednesday cut a key interest rate for the second time in six weeks in an effort to make sure the economy does not tumble into a recession. However,
by Randi FoerdeIn fact, I think everybody could need Consumer Credit Counseling. All who have to deal with money in our complicated society could need to have a talk with a credit counselors at a Consumer Credit Counseling Agency . And that�s the most of us, is it not? For some, not because they are in trouble, but to be sure they never will be. For others, they are already in trouble with their finances, and will sure need some help. If it is not to late.There are many out there who want to sell you Consumer Credit Counseling services. Before you choose one, ask what they cost? If you are in financial difficulties, don�t get deeper because you are getting services that cost you to much, more than you can pay.Since the late 80s and early 90s, the number of credit and debt counseling agencies in America increased significantly, and many of them are not working for their clients first, but for themselves, second for you. As the marked of people with money problems grows, so do the gr
Toyota quality is slipping, and Consumer Reports says it’s due in large part to the new Tundra. Evidently, Consumer Reports has found that the new Tundra, specifically the V8 4×4 model, has “below average” reliability. Even more astounding, the new Camry V6 model was also found to have “below average” reliability. Because of the poor [...]
At a press event held this week in Barcelona, Spain, Kodak outlined its future plans, admitting that it had no current intentions to enter the digital SLR market. Instead the company will focus its efforts on the general consumer and attempt to strengthen its position as the 3rd biggest manufacturer worldwide for digital still cameras. The new CMOS sensor that was launched back in July on the entry-level C513 camera was heralded as a “huge breakthrough” for Kodak by John O’Grady, the MD of Europe, strongly hinting that future models will employ the same technology.Kodak also backed-up its claims of 50% cheaper inkjet printing with a new independent report from QualityLogic that verifies the cost savings. The report concluded that prints made on Kodak’s 5500 and 5300 all-in-one printers were up to 3 times less expensive than the industry average, across three different categories of printing. For black prints, Kodak’s prints costs 0.23 Euros per page, against 0.6 Euros average
As many as 1.6 million scout badges have been recalled after testing revealed high levels of lead in the paint. Sports Authority recalled about 12,000 aluminum water bottles due to violation of lead paint standard. 20,000 Razor E300 scooters are recalled because their handlebars can detach causing loss of control. Injuries were reported already. 150,000 [...]
While some companies are already reaping the benefits of Enterprise 2.0 methods & technologies, most are still facing the “Consumer 2.0” versus “Employee 1.0” dilemma … Let’s meet Charlotte for a brilliant illustration of this! It is becoming evident that...
On tonight's MAD MONEY on CNBC, Jim Cramer said some companies fail for many reasons. If you have...
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Blogs, podcasts, video-sharing sites, social networks ... You will find below great graphical representations of Forrester's Social Technographics?? research results ??? a very informative set of charts as to the demographics of Internet users and how they spend their time...
Credit Card Reward Points - A Consumer Guide To Choose Smartly Among Many Reward Options- By Jaydeep
ICICI Bank has perhaps the largest credit card base in India and also has one of the most elaborate reward programs among the banks. They are the ones who started the express reward program which gives accelerated accumulation of reward points depending on the total purchase on a card and it
Olympus Imaging Corporation (President: Masaharu Okubo) is pleased to announce that it has received 2007-2008 EISA Award. The Olympus E-510 was selected in the "European Consumer Camera" category.
The European Imaging & Sound Association (EISA) is an organization representing 50 leading camera, imaging and audio magazines in 20 European countries. Each year it selects outstanding products and
What the heck is IMVU you may be asking? Surely you've seen their ads across the internet or received an invitation from a friend. IMVU (aka Instant Messaging Virtual Universe) is a popular 3d messenger chat service, where you can make your own avatars and furnish your own rooms with items from their catalog to enhance your chat experience - it's more of a virtual visual chat rather than the usual text-based services like MSN Messenger, Yahoo and ICQ. It also has a community aspect to it, similar to services like myspace. While still in beta phase, the service is actually rather interesting not to mention addicting.There are also extras that you can purchase, such as buying your screen name for a few bucks which removes the Guest_ moniker from the front of it. They say it's also supposed to remove advertising, though you still see IMVU's in-house ads, marketing their latest gimmick which usually consists of something like a Wizard bundle(reminiscent of Harry Potter) - including a room
A new study funded by The American Bankruptcy Institute and The Ford Foundation found that disclosure of credit card interest rates could have an opposite effect than intended. "For many shoppers knowledge of interest rates and mounting debt was so depressing that it spurs them to binge to alleviate the gloom" -WSJ This MorningThe study found that emotion has a much greater effect on spending behaviors than awareness of interest rates. 1 in 5 people in the study stated they tended to shop to end a bad mood. One explanation was that most consumers don't understand how moods influence their spending behavior.The new credit card disclosure laws are based on the assumption that when consumers have knowledge of the actual rates they will act rationally, but this is a flawed assumption. Anyone who has studied consumer behavior knows that emotion often dominates logic, so awareness of credit rates alone will not be effective in preventing overspending.Story from the WSJ This Morning Podcast
More Maytag complaints: Consumer complaints and reviews on Maytag Corporation - Product quality.
I have a Maytag Legacy washer for about three years, and now it is leaking. I have to replace it...
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