All Trade & Commerce Stories
By any measure, Chinese users appeared to be the force behind fluctuations in the global Bitcoin market in 2013, contributing to the market’s miraculous peak and recent downturn. First,
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The role of the manufacturing sector in the U.S. economy is more prominent than is suggested solely by its output or number of workers. It is a cornerstone of
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Brand-name pharmaceutical companies can delay generic competition that lowers prices by agreeing to pay a generic competitor to hold its competing product off the market for a certain period
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The vast majority of students who attend a for-profit college take out loans to finance their education. According to the National Postsecondary Student Aid Survey, 95.4 percent of students
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For-profit colleges are growing at an astounding rate, propelled by significant investments in marketing and an aggressive recruitment model. However, the new enrollments are hiding real institutional problems. More
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For-profit education companies claim to offer access to higher education to low-income and minority students. Data analysis of 16 for-profit schools indicates that students are more likely to leave
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Part 2 of Secure Online Banking. When it comes to online banking, there is no way to absolutely guarantee your safety. However, good practices do exist that can reduce
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Several types of electronic fraud specifically target online banking. Some of the more popular types are described below: Phishing attacks Phishing attacks use fake email messages from from someone
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Part 1 of Secure Online Banking. Online banking continues to present challenges to your financial security and personal privacy. Millions of people have had their checking accounts compromised, mainly
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The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting
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The FDIC protects depositors from failing banks. Most FDIC-insured institutions are well-capitalized and well-managed, so it’s unlikely that you will have deposits in a bank that fails. But it’s
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Part 5 of China's "Hot Money" Problems. If the Chinese government determines it is necessary to take action, it has a number of options on how to slow down
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Part 4 of China's "Hot Money" Problems. The main concern in China over the influx of “hot money” has been that it may add to China’s inflationary pressures. In
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Part 3 of China's "Hot Money" Problems. While there may be some uncertainty about the precise amount of “hot money” flowing into China, there appears to be a general
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Part 2 of China's "Hot Money" Problems. Because “hot money” flows quickly and is poorly monitored, there is no well-defined, direct method for estimating the amount of “hot money”
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Part 1 of China's "Hot Money" Problems. China has experienced a sharp rise in the inflow of so-called “hot money,” foreign capital entering the country supposedly seeking short-term profits,
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Part 2 of Credit and Debit Card Blocking. How to Avoid Blocking To avoid the aggravation that blocking can cause, follow these tips: When you check into a hotel
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Part 6 of How to Choose a Credit Counselor. Steer clear of debt relief companies that: charge any fees before it settles your debts guarantee they can remove your
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Part 5 of How to Choose a Credit Counselor. Depending on your financial condition, the amount of any savings you obtain from debt relief services can be considered income
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Part 4 of How to Choose a Credit Counselor. Debt settlement differs greatly from credit counseling and Debt Management Plans. It can be very risky, and have a long
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Part 3 of How to Choose a Credit Counselor. If your financial problems stem from too much debt or your inability to repay your debts, a credit counseling agency
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Part 2 of How to Choose a Credit Counselor. Reputable credit counseling organizations advise you on managing your money and debts, help you develop a budget, and usually offer
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Part 1 of How to Choose a Credit Counselor. Living paycheck to paycheck? Worried about debt collectors? Can’t seem to develop a workable budget, let alone save money for
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Part 3 of Forex Trading For Individual Investors. Forex trading in general presents significant risks to individual investors that require careful consideration. Off-exchange forex trading poses additional risks, including:
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Part 2 of Forex Trading For Individual Investors. The forex market is a large, global, and generally liquid financial market. Banks, insurance companies, and other financial institutions, as well
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Part 1 of Forex Trading For Individual Investors. Individual investors who are considering participating in the foreign currency exchange (or “forex”) market need to understand fully the market and
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The debt limit is the total amount of money that the United States government is authorized to borrow to meet its existing legal obligations, including Social Security and Medicare
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What is the Low-Income Housing Tax Credit program? The Low-Income Housing Tax Credit (LIHTC) program was established by the Tax Reform Act of 1986 (Internal Revenue Code Section 42)
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Increasingly complex farm machinery is an essential contributor to the productivity gains of U.S. agriculture. Expenditures on farm machinery in 1995 made up 13 percent of total production expenditures.
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Advertisements for some day trading systems or advisory services make investing look like a virtual bonanza where everyone’s a winner. But if one thing’s certain about stocks, commodity futures,
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Part 2 of Cramming. Background “Cramming” is the practice of placing unauthorized, misleading, or deceptive charges on your telephone bill. Crammers rely on confusing telephone bills in an attempt
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Part 1 of Cramming. You’re looking at your phone bill thinking someone must have made a mistake. How can you be charged for web hosting when you don’t know
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Your credit report contains information about where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Credit reporting companies
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Part 1 of Credit and Debit Card Blocking. Have you ever been told you were over your credit card limit, or had your debit card declined, even though you
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With talk of stimulus plans ruling the news, it is no surprise a new round of stimulus scams are afoot. Here’s how it goes: An email, online ad, or
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1. Don’t give your account number and bank routing information to anyone you don’t know. Give out your account information for transactions only if you are familiar with the
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Regardless of their name, these small, short-term, high-rate loans by check cashers, finance companies and others all come at a very high price. The finance charge can climb to
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An education beyond high school is an investment in your future. It can be expensive and often requires you or your family to take out loans to help pay
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“We suspect an unauthorized transaction on your account. To ensure that your account is not compromised, please click the link below and confirm your identity.” :: “During our regular
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