Trade & Commerce

All Trade & Commerce Stories


China's Domination of the Bitcoin Market

China’s Domination of the Bitcoin Market

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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Job Benefits Within U.S. Manufacturing

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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“Pay for Delay” agreements keep generic drugs off the market

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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For-Profit Education: The High Cost of Withdrawal

For-Profit Education: The High Cost of Withdrawal

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 Universities: High Profits, High Withdrawal Rates

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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High Debts and Low Graduation Rates at For-Profit Universities

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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9 Tips for Safe, Secure Online Banking

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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Attacks That Target Online Bank Accounts

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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How to Bank Online Securely

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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Citizen Rights Under the Fair Credit Reporting Act

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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What to do if your bank fails

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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China’s Options for Dealing with “Hot Money” Flows

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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Impact of “Hot Money” on China’s Economy

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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Causes of China’s Inflow of Hot Money

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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Estimates of China’s “Hot Money” Flows

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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China’s problems with foreign capital entering the country

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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Four-plus ways to Avoid Credit and Debit Card Blocking

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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9 Tips for Avoiding Debt Relief Rip-offs Scams

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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Tax Consequences of Debt Relief Services

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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Debt Settlement Programs

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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Debt Management Plans

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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Choose a Credit Counseling Organization

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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Introduction: How to Choose a Credit Counselor

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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Special Risks of Off-Exchange Forex Trading

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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Risks of Forex Trading

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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forex currency dollars euro exchange

Foreign Currency Exchange (Forex) Trading For Individual Investors

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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United States Debt Limit Myths and Facts

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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Factsheet: Low-Income Housing Tax Credit Program

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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Farm Machinery

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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Investment Advice: Beware Day-Trading Ads

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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Have you been crammed? Unauthorized, misleading and deceptive charges on your phone bill

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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Mysterious Phone Charges: What is Cramming?

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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How to Dispute Credit Report Errors

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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About Credit and Debit Card Blocking

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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currency

Identify and Avoid Stimulus Act Scams

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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Cancelled check 1892

5 Easy Ways to Keep Your Checking Account Safe

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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Payday Loans = Very Costly Cash

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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How to Avoid Deceptive Student Loan Offers

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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How Not to Get Hooked by a ‘Phishing’ Scam

“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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