Posts tagged ‘American’

American Consumer Credit Counseling Celebrates 529 Day by Offering Five Useful Tips on How to Save for College


Boston, MA (PRWEB) May 28, 2015

With the cost of college and the average amount of student loans skyrocketing, national financial education nonprofit American Consumer Credit Counseling is celebrating 529 College Savings Day on May 29th by sharing useful tips that will help students make money-savvy decisions and save for school.

Personal finance can be a tough subject for college kids and parents, but it is one that needs more attention. Today young adults are graduating college with more student loan debt than ever. According to a report released by the Federal Reserve Bank of New York in February, student loan debt has climbed to $ 1.16 trillion. The average American college student is now graduating with $ 33,000 in debt, and 52 percent of parents feel it is more important to save for their kids’ college education than their own retirement, according to a recent T. Rowe Price survey.

“As a nation, we are not saving enough for our children’s college tuition,” said Steve Trumble, President and CEO of American Consumer Credit Counseling. “While college is incredibly important for the futures of so many young Americans, figuring out how to pay for it is one of the most difficult challenges facing millions of students and their families.”

A 529 plan is one option for families to save for college. A 529 plan is an investment plan operated by a state or educational institution, with tax advantages and other incentives to make it easier to save for college for a designated beneficiary, such as a child or grandchild. Operating similar to IRA and 401(k) plans, 529 college savings plans allow parents to save for a child’s education tax-free through an array of investment options. There are two types of 529 plans: prepaid tuition plans and savings plans. The plans are named after Section 529 of the Internal Revenue Code and are administered by state agencies and organizations.

In addition to a 529 savings plan, American Consumer Credit Counseling has put together these five tips that will help students and their families save for college and manage expenses during school:

1.    Learn to Budget Now – Developing a realistic and manageable budget is a valuable lifelong skill that is essential for anyone in college, preparing to go to college, or just graduating. Start by using a budgeting worksheet for students to get an accurate picture of your income and expenses. By comparing and contrasting your total income and expenses, you will be able to create a feasible budget plan. By sticking to your budget, you will avoid going into any unnecessary credit card debt.

2.    Beware of Credit Card Debt- Credit card companies target college students because they have little experience managing their money. If you sign up for a credit card, don’t get carried away. Get your payment in by the due date or you’ll be slapped with late fees and create additional debt for yourself.

3.    Work – Consider a part-time job, tutoring, paid internships, and work-study programs to earn and save money while in school. If you’re looking to get an apartment after graduation, make your student loan payments, or relocate for a job, saving for your future will help you in the long run.

4.    Use your Student ID for Discounts – Not only will you need it to enter your dorm, the dining hall, and the library, but your student ID can also earn you discounts at hundreds of retailers nationwide. If you are not sure if a company offers a student discount, just ask. Check out the College Financial Workbook for a full list of discounts.

5.    Be Aware of Your Financial Situation – Too many students graduate from college without any idea of how much they’ll have in student loans, or how much to expect to make at their first job. Make sure you know how much school costs per year, what your parents are covering, what you’ll be expected to cover, and budget for rent and living expenses accordingly.

ACCC is a 501(c)3 organization, that provides free credit counseling, bankruptcy counseling, and housing counseling to consumers nationwide in need of financial literacy education and money management. For more information, contact ACCC:


    For credit counseling call 800-769-3571
    For bankruptcy counseling. call 866-826-6924
    For housing counseling, call 866-826-7180
    Or visit us online at ConsumerCredit.com

About American Consumer Credit Counseling

American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling 501(c)(3) organization dedicated to empowering consumers to achieve financial management and debt relief through education, credit counseling, and debt management solutions. In order to help consumers reach their goal of debt relief, ACCC provides a range of free consumer personal finance resources on a variety of topics including budgeting, credit and debt management, student loans, youth and money, homeownership, identity theft, senior living and retirement. Consumers can use ACCC’s worksheets, videos, calculators, and blog articles to make the best possible decisions regarding their financial future. ACCC holds an A+ rating with the Better Business Bureau and is a member of the Association of Independent Consumer Credit Counseling Agencies. For more information or to access free financial education resources, log on to ConsumerCredit.com or visit TalkingCentsBlog.com.







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American Land Title Association Responds to New York Times Editorial


Washington, DC (PRWEB) May 12, 2015

American Land Title Association (ALTA) CEO, Michelle Korsmo, submitted the following letter to the New York Times Editorial Board today in response to an editorial column that she feels failed to properly inform its readers about the benefits and cost of title insurance:

“As we begin a very busy home shopping season, homebuyers deserve factual information about title insurance,” said Michelle Korsmo, ALTA chief executive officer. “For more than a century, title insurance has provided homebuyers with confidence in the ownership of their property.”

“Unlike other insurance policies, title insurance is a one-time fee paid at closing. It helps protect a homeowner’s financial investment in their property should a claim arise in the future. A claim could stem from things such as fraud, identity theft, property-line disputes and unpaid taxes. Without an owner’s title insurance policy, the out-of-pocket legal costs for a homeowner to resolve a title claim could be in the tens of thousands of dollars.”

“An owner’s title insurance policy for a home New York home purchased for $ 500,000 is around $ 2,000. Over the average duration of home ownership, that spreads out to about $ 154 annually or about $ 13 per month. Nationally, the cost of title insurance has actually decreased 6.2% since 2003, according to analysis of publicly available title insurance premium data.”

“A homebuyer wants to know that when they receive the keys to their home they are doing so without existing debts or legal problems. Before a consumer purchases a home, title professionals and real estate attorneys search the public records for any problems with the home’s title and chain of ownership. This process includes searching for any delinquent taxes, undisclosed liens (such as unpaid contractors or utility bills), prior legal judgments (such as child support liens) or issues arising from forgery or fraud. The title search process leads title agents to collect $ 4.8 billion in back income taxes and recover $ 325 million in unpaid child support annually.”

“There are many factors to consider when selecting a title insurance company, such as local expertise, service standards, market conduct and commitment to the community. Buyers should shop around and ask questions to make sure they are comfortable with their title company. Visit http://www.homeclosing101.org to learn more about title insurance and the closing process.”

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About ALTA

The American Land Title Association, founded in 1907, is the national trade association representing more than 5,400 title insurance companies, title and settlement agents, independent abstracters, title searchers, and real estate attorneys. With offices throughout the United States, ALTA members conduct title searches, examinations, closings, and issue title insurance that protects real property owners and mortgage lenders against losses from defects in titles.







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CSUN Professor and Filmmaker Luciana Lagana Wins Award at WorldFest-Houston International Film Festival and Is Featured in the American Psychological Association Magazine


Los Angeles, CA (PRWEB) April 28, 2015

CSUN professor, psychologist, actress, writer, director and producer Luciana Lagana is featured for her independent filmmaking work in the prestigious “Monitor on Psychology,” the official magazine of the American Psychological Association (APA).

“This high recognition by APA is making my resolve to help vulnerable populations via my documentaries and talk shows stronger. I am currently working on a documentary feature film on physical pain and its multiple negative effects in older age. Many older adults interviewed in this film are very resilient, as they manage to have a good quality of life in spite of their chronic physical pain. My focus is to celebrate the strengths of populations that are typically viewed in negative ways by the general public. I advocate for these populations in an attempt to reduce negative biases and increase empathy toward them,” she shared.

Dr. Lagana is also receiving attention with her “Dr. Luciana Show – Aging and Falling,” which has gathered many film awards. This month, her show won Best Educational Show at the 48th WorldFest-Houston International Film Festival. From the festival website, “No awards are given in any category unless the scores from the juries are high enough to place for honors.” Other winners at this 2015 film festival include Bruce Greenwood, Armand Assante, and Eric Roberts. “It is a great honor to win at a festival where many hard-working industry professionals who have been in the public eye for decades are recognized. This achievement is further motivating me to continue my social impact filmmaking efforts,” she concluded.

Written by Stefanie Friesen

Luciana Lagana is a caring clinical and experimental psychologist. She is also an established professor of psychology, gerontology, sexuality, and women’s health at California State University Northridge, where she teaches classes and mentors many undergraduate and graduate students. Additionally, since 2002, she has been conducting government-funded research on ethnically diverse, primarily low-income older women’s physical, psychological, social, and sexual health. Concerning her artistic pursuits, since 2006, she has been studying acting and hosting in Los Angeles. She is an award-winning actress/screenwriter/director with 44 IMDb credits for acting in many independent movies, web series, and TV pilots. She also created, hosted, and directed the award-winning web series “Intimate Temp Agency.”







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American Consumer Credit Counseling Provides Crucial Financial Counseling to Veterans


Boston, MA (PRWEB) April 03, 2015

On Saturday, March 21st, national nonprofit American Consumer Credit Counseling participated in a financial literacy conference for veterans, active military members, and their families.

The second annual Operation Money Wise, a free conference hosted by the Massachusetts Office of Financial Literacy, offered veterans financial education on a variety of topics, including how to develop healthy spending and saving skills, how to protect assets from predatory lending practices, and what financial tools and benefits are available to service members and veterans.

During the event, ACCC staff members held two workshops on credit and set up a resource table where they pulled credit reports and provided attendees with credit counseling and debt advice.

“Credit and finances can be challenging for any American, and perhaps even more so for veterans who have juggled multiple deployments and extensive time away from home,” said Steve Trumble, President and CEO of American Consumer Credit Counseling. “We are honored to participate in this conference and provide veterans with additional financial skills and resources as they transition home.”

With an unemployment rate as high as 8.5 percent in some states, many veterans remain vulnerable to financial challenges upon return. Recently released numbers from the Bureau of Labor Statistics show that 5.3 percent of veterans were jobless last year. Among younger veterans, that number is significantly higher.

Historically, ACCC has played an important role in providing financial services to those who fight on behalf of our nation. In addition to participating in last year’s Operation Money Wiese, ACCC also launched the Veterans and Military Personnel Online Financial Education Center; which provides former and current military members with information and tools to evaluate their current financial situations while offering debt advice and assisting with future planning and analysis.

“We are extremely passionate when it comes to aiding our servicemen and women with their financial futures,” stated Trumble. “By working with Operation Money Wise, we are able to provide veterans with financial counseling to help plan for their current and future needs.”

Operation Money Wise was held at Mass Bay Community College in Wellesley, Mass. The conference was presented by the Office of Economic Empowerment. For more information visit http://www.mass.gov/treasury/operationmoneywise or call (617) 367-9333 Ext. 615.

ACCC is a 501(c)3 organization that provides free credit counseling, bankruptcy counseling, and housing counseling to consumers nationwide in need of financial literacy education and money management. For more information, contact ACCC:


    For credit counseling, call 800-769-3571
For bankruptcy counseling, call 866-826-6924
For housing counseling, call 866-826-7180
Or visit us online at ConsumerCredit.com

About American Consumer Credit Counseling

American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling 501(c)(3) organization dedicated to empowering consumers to achieve financial management and debt relief through education, credit counseling, and debt management solutions. In order to help consumers reach their goal of debt relief, ACCC provides a range of free consumer personal finance resources on a variety of topics including budgeting, credit and debt management, student loans, youth and money, homeownership, identity theft, senior living and retirement. Consumers can use ACCC’s worksheets, videos, calculators, and blog articles to make the best possible decisions regarding their financial future. ACCC holds an A+ rating with the Better Business Bureau and is a member of the Association of Independent Consumer Credit Counseling Agencies. For more information or to access free financial education resources, log on to ConsumerCredit.com or visit TalkingCentsBlog.com.







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IDCs TITAN(TM) Video Contribution Solution delivers a gold medal performance at the 2014 Central American and Caribbean Games

Ottawa, Ontario (PRWEB) December 10, 2014

International Datacasting Corporation (TSX: IDC), a technology provider for the world’s premiere broadcasters, is pleased to announce that Radiotelevisión Veracruz (RTV) has successfully delivered the 2014 Central American and Caribbean Games across the Americas using IDC’s TITAN(TM) Video Contribution Solution.

The event was produced by RTV, while Grupo Etercom, IDC’s partner in Mexico, delivered the TITAN video encoders and provided the satellite uplink for the broadcast. The solution included TITAN 2 and TITAN 3 video encoders operating 24 hours per day for the 15-day duration of the games.

“We selected IDC’s solution for the 2014 games based on its reputation for image quality and ease-of-use,” said Manuel Iza, Director of Transmission Engineering at RTV. “After two weeks on the air, broadcasting live 24 hours per day, we can confirm that the performance and reliability of the TITAN encoder is simply outstanding.”

The TITAN encoder provides the perfect balance of high video quality and best-in-class usability for demanding outside broadcast applications such as live news and sporting events. The TITAN encoder family provides solutions for standard and high definition encoding in MPEG-2 or MPEG-4. TITAN 3 features extremely low latency of 150ms and available 4:2:2 10-bit encoding in high definition.

The TITAN encoder design is based on more than a decade of IDC experience serving the outside broadcast industry. TITAN encoders are built from the ground up for the demanding conditions of outside broadcasting, featuring rugged construction to achieve superior reliability. The TITAN encoder retains the familiar, easy to use front panel which allows quick setup for mission critical operations, and is able to achieve signal on-air from power up in less than 60 seconds.

“The selection of the TITAN Video Contribution Solution for the broadcast of this prestigious sporting event confirms IDC’s reputation for delivering world-class video products,” said Doug Lowther, President and CEO of IDC. “Congratulations to Radiotelevisión Veracruz and our partners Grupo Etercom on the successful broadcast of this key event.”

About International Datacasting Corporation:

International Datacasting Corporation (TSX: IDC) is a technology provider for the world’s premiere broadcasters in radio, television, data and digital cinema. IDC’s products and solutions are in demand for radio and television networks, targeted ad insertion, digital cinema, 3D live events, satellite news gathering, sports contribution, VOD, and IPTV. IDC is headquartered in Ottawa, Canada, with regional offices in Arnhem, the Netherlands and in San Diego, California. For more information visit: http://www.datacast.com.

Forward-Looking Statements:

This press release contains certain information that may constitute “forward-looking information” and/or “forward-looking statements” within the meaning of applicable Canadian securities laws including, without limitation, management’s beliefs with respect to strategy, efficiencies, results and costs savings in Fiscal 2015, management’s expectations with respect to customer acceptance of, and the receipt of orders for, the company’s products, and management’s expectations with respect to the impact of new personnel and a restructured sales force. All forward-looking information and forward-looking statements are necessarily based on a number of estimates and assumptions that are inherently subject to significant business, economic and competitive uncertainties and contingencies. The material assumptions used to develop the forward looking-statements made in this release include anticipated cost savings resulting from the initiatives taken by IDC under its action plan, anticipated impact of senior personnel, consolidation of operations and restructuring of the sales force, management’s perceptions of current conditions and expected future developments, expectations regarding future shipments of IDC products, management’s knowledge of the current credit, interest rate and liquidity conditions affecting IDC as well as other considerations that are believed to be appropriate in the circumstances.

All statements other than statements which are reporting results as well as statements of historical fact are forward-looking statements that may involve a number of known and unknown risks, uncertainties and other factors; many of which are beyond the ability of IDC to control or predict.

Forward-looking statements are generally identifiable by use of the words “may”, “will”, “should”, “continue”, “expect”, “anticipate”, “estimate”, “believe”, “intend”, “design”, “plan or “project” or the negative of these words or other variations on these words or comparable terminology. There can be no assurance that such statements will prove to be accurate and actual results and future events could differ materially from those anticipated in such statements. Risks and uncertainties that might cause actual results to differ materially include, but are not limited to: competitive developments; risks associated with IDC’s growth; expectations regarding new product initiatives and timing, including the STAR Pro AudioTM Solution, LASER™ Targeted Ad Insertion Platform, and TITAN 3 Video Encoder; a lengthy and variable sales cycle for IDC’s products and services; any difficulties or disputes with IDC’s subcontractors, contract manufacturers and suppliers; IDC’s dependence on the development and growth of the satellite services market; a lengthy and variable sales cycle for IDC’s products and services; IDC’s reliance on a small number of customers for a large percentage of its revenue; expectations with respect to the sufficiency of its financial resources and liquidity; regulatory risks and intellectual property infringement. Further, any incorrect identification of, or failure or delay in identifying, areas that require attention in IDC’s business as part of the company’s strategic review, or inability to successfully address areas requiring increased focus in accordance with IDC’s action plan, could materially adversely affect the company’s business, financial conditions, and results of operations as well as other key indicators.

More detailed information about potential factors that could affect IDC’s financial and business results is included in the public documents IDC files from time to time with Canadian securities regulatory authorities and which are available on SEDAR at http://www.sedar.com, including, without limitation, IDC’s Annual Information Form and MD&A for the year ended January 31, 2014, and our MD&A for the quarter ended July 31, 2014.

Except as expressly required by applicable law, we undertake no obligation to publicly update or revise forward-looking statements, whether as a result of new information, future events or otherwise. Forward-looking statements are provided to assist external stakeholders in understanding IDC’s expectations as at the date of this release and may not be appropriate for other purposes. Readers are cautioned not to place undue reliance on such statements.

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For more information, contact:

Walter Capitani

International Datacasting Corporation

+1-613-596-2400 x2287

wcapitani(at)datacast(dot)com







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American Consumers Say they Need Help on Household Budgeting


Boston, MA (PRWEB) May 03, 2012

According to a recent survey by American Consumer Credit Counseling American consumers could use some support when it comes to sticking to a household budget. Conducted during Financial Literacy Month, the survey found 25 percent of respondents reported an increased need for further education in the areas of daily and monthly budgets, while 20 percent expressed a need for information on understanding credit and credit scores.

In a recent ACCC web poll at ConsumerCredit.com, just 8 percent reported an increased need for education on how to save for retirement or college, while only 14 percent were interested in learning more about saving in general.

These results follow a recent report by the credit bureau Equifax indicating an 11 percent decline in total consumer debt from a peak of $ 12.4 trillion in October 2008 to $ 10.9 trillion at the end of the first quarter of 2012.

What were seeing here is an increased interest and understanding of the importance of financial education, especially in the areas that consumers face the most challenges, credit and budgeting, said Steve Trumble, President and CEO of American Consumer Credit Counseling, which is based in Newton, Mass. Despite the recent numbers showing a decline in consumer debt, consumers need to continue to arm themselves with financial education and resources. As someone who has been in this industry for more than 20 years I can confirm that the single biggest difference between financial success and financial failure is education.

When it comes to actual big-ticket spending, the survey found, Americans feel they need little guidance. Only 3 percent of all those polled by ACCC said they need further education on how to make large purchases, while only 16 percent indicated an increased need for education on setting short and long term goals.

Budgeting and spending go hand in hand, Trumble said. So while consumers may feel comfortable in the decisions they make on large purchases, those decisions are certain to have an impact on their overall financial health.

The financial education poll was the latest in a series of ACCC web surveys for 2012 that focus on a variety of financial education, budgeting and planning topics. American Consumer Credit Counselings certified and experienced counselors offer a variety of financial education, counseling and debt management services to help consumers achieve long-term financial health and stability.

ACCC is a 501(c)3 organization, that provides free credit counseling, bankruptcy counseling, and housing counseling to consumers nationwide in need of financial literacy education and money management. For more information, contact ACCC:

???????? For credit counseling, call 800-769-3571

???????? For bankruptcy counseling. call 866-826-6924

???????? For housing counseling, call 866-826-7180

???????? For more information on financial education workshops in New England, call 800-769-3571 x708

???????? Or visit us online at ConsumerCredit.com

About American Consumer Credit Counseling

American Consumer Credit Counseling (ACCC) is a non-profit 501(c)(3) organization dedicated to empowering consumers to achieve financial health through education, counseling, and debt management. ACCC provides individuals with practical solutions for solving financial problems and recognizes that consumers financial difficulties are often not the result of poor spending habits, but more frequently from extenuating circumstances beyond their control. As one of the nations leading providers of financial education and credit counseling services, ACCC works with consumers to help them with the best plan of action to reduce their debt and regain financial stability. ACCC is accredited by the Better Business Bureau and holds an A+ rating. It is also a member of the Association of Independent Consumer Credit Counseling Agencies. For more information or to access free financial education resources log on to ConsumerCredit.com or visit TalkingCentsBlog.com.