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Rather than use the $8 million they were given to figure out what caused the 2007 financial crisis, Republican members of the bipartisan Financial Crisis Inquiry Commission used their positions to undermine Democrats’ biggest response to that crisis, according to results of an investigation published this week. T
Some worrisome news came out last week concerning the way we pay: a study from Juniper Research predicts more consumers will be using their phones to pay for goods and services. In fact, mobile payments are expected to nearly triple to $670 billion worldwide by 2015. That news coupled with the fact that the federal government has decided to print fewer bills, means that when it comes to saving money, consumers will need some extra willpower.
As the New York Times put it last week, “cash is in decline.” It’s unfortunate news for the budget-conscious since for years studies have revealed that a commitment to cash curbs spending to the tune of about 20% over a year. Credit cards and electronic payments, on the other hand, entice shoppers to spend more than they should. That’s because paying with cash hurts, psychologically speaking. In talk
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Today’s top news headlines feature advice on how to fight health insurance claims denials and reasons homeowners associations are foreclosing on seniors in retirement communities. Plus, find out how much the recession cost the average American.
Americans Lose Thousands In Recession The Huffington Post A recent paper published by San Francisco Federal Reserve economist Kevin Lansing reveals the economic recession cost the average American $7,300. Lansing examined consumer spending prior to the recession in 2007 and notes that if the economic downturn had not occurred, individuals would have spent an additional $7,356 in total, or $175 per month.
Take Steps To Fight Health Insurance Claims Denials The New York Times Individuals who are denied medical care or payments for healthcare services have options when it comes to appealing their insurance company’s decision, experts say. Con
Fannie Mae and Freddie Mac – the mortgage backing giants controlled by the federal government – have repeatedly increased lending standards for financial institutions in an attempt to stem losses from defaulted and foreclosed-upon properties. The problem is that this has served to stymie federal attempts to kickstart a housing industry that has flagged since the recession ended, even as demand has reached record highs, according to a report from Bloomberg News.
“The government is working at cross-purposes,” Doug Bandow, a senior fellow at Washington-based libertarian policy-research center the Cato Institute, told the news agency. “There’s been a desperate attempt to reinflate housing by throwing money at the problem. The worst time to tighten lending is after doing that.”
New data suggests the amount issued by lenders for mortgages will drop to $432 billion from last year’s $473 billion, making it more difficult for previously creditworthy consumers to buy their own homes, the report said. Now, about one-
The amount of bills being printed by the federal government has declined steadily in recent years, and has now hit all-time lows in many cases, according to a report from the New York Times. In 2010, the number of $1 bills dropped to a low not seen in modern times, $5 bill production hit its lowest point in 30 years, and the Treasury didn’t even print $10 bills last year.
The reason for this is that cash is slowly being usurped as a primary payment method by plastic, the report said. Currently, the total value of bills currently in circulation around the country is equal to about 2.5 percent of the nation’s total economic activity. In 1970, it was roughly double that number.
However, some analysts believe that cash will continue to be used in one form or another for at least the next 200 years, regardless of how much card use expands, the report said.
“Cash works for us,” Ron Shevlin, an analyst with the Boston research firm Aite Group, told the newspaper. “The do
A few days ago, a friend of mine received several letters dated June 24, 2011 from Morgan Stanley Smith Barney, where he has kept brokerage accounts for himself and his children for many years. It began with the now familiar, “we care about you” phrase:
“At Morgan Stanley Smith Barney, client satisfaction and information security are critical priorities.”
Then it segues into the sickeningly familiar, “but perhaps not enough” phrase:
“We are writing to inform you of a recent security incident involving the sensitive information of certain Morgan Stanley Smith Barney account holders. Morgan Stanley was recently notified by the New York State Department of Taxation and Finance that two password-protected CD ROMs included in the package received from Morgan Stanley Smith Barney were missing from the package when it was delivered to the intended recipient within the Department. The CD ROMs i